
Qass S^ 57 

Book .. 



vi 



PENNSYLVANIA COUNCIL 
OF NATIONAL DEFENSE 

LEGAL ADVISORY DEPARTMENT, 

HANDB OOK 

FOR USE OF MEMBERS OF THE 

LEGAL ADVISORY BOARD AND OF 

LOCAL LEGAL COMMITTEES 



PHILADELPHIA, PA. 

OCTOBER 1, 1918 



3 



PENNSYLVANIA COUNCIL OF 
NATIONAL DEFENSE 



FINANCE BUILDING, PHILADELPHIA 






LEGAL ADVISORY DEPARTMENT 
JOHN HAMPTON BARNES 

DIRECTOR 

LEGAL ADVISORY BOARD 
JOHN HAMPTON BARNES, Philadelphia THOMAS S. PATTERSON, Pittsburgh 
CHARLES H. BERGNER, Harrisburg S. Y. ROSSITER, Erie 

C. LARUE MUNSON, Williamsport WILLIAM I. SCHAFFER, Chester 

•F. W. WHEATON, Wilkes-Barre 



JOSEPH J. TUNNEY, Executive Secretary 



n; of 10 

NOV IS ! 



311 ^no 



INDEX 

PAGE 

Allotments of Pay 12 

Allowances, Family 12 

Building and Loan Associations. ..." 17 

Civil Relief Act, Purposes and Provisions of 19 

Compensation by Federal Government for Death or Disability 14 

Council of National Defense, Bulletin No. 84 5 

Decedents' Estates 18 

Exemption from Civil Process 18 

Guardianship and Custody of Children 19 

Legal Committees 7 

Names of Members of Committees 47 

Soldiers' and Sailors' Civil Relief Act 5 

Trusts and Trustee Service 19 

War Risk Insurance Act, Purposes and Provisions of 11 



INTRODUCTION 

The Council of National Defense requested each State Council to appoint 
Local Legal Committees to advise drafted men upon questions pertaining 
to their legal rights and financial affairs. 

The Pennsylvania Council of National Defense thereupon created a 
Legal Advisory Department, appointed a Legal Advisory Board, and 
organized Local Legal Committees in each county in compliance with 
Bulletin 84 of the Council of National Defense. 

This book is a brief digest of the Federal and State Legislation affecting 
men in military service and a guide for local legal committees in giving 
advice to drafted men. 

The Legal Advisory Department appreciates the generous response 
of the members of the bar to the call to give free legal aid and advice to 
draftees as a patriotic service and the fulfillment of a professional duty. 



COUNCIL OF NATIONAL DEFENSE 

WASHINGTON 



BULLETIN NO. 84 

LEGAL COMMITTEES 

To the Several State Councils of Defense: 

Now that the draft machinery is completing its work, the drafted men, 
on being assigned to their final classifications, know several months before 
they are called the prospect of their entering the service. Men already 
called for service, but not yet in camp, are in a like position. It will be 
possible, therefore, for them, if properly assisted by legal advice, to 
arrange their affairs and to make provision for their dependents and care 
of their property, so that, when the final call comes, little confusion and 
hardship will result. In addition, the 1,500,000 men already under 
arms and their dependents need legal advice in order to protect their 
civil rights and claim the benefit of war emergency legislation. The 
State Council of Defense is in an advantageous position to mobilize the 
lawyers for this important work. 

The Provost Marshal General has created in each State permanent 
legal advisory boards in connection with each local exemption board to 
advise the draft boards and the drafted men as to the selective service 
law. This organization is composed of men already tried who have 
proved their zeal and fitness for such work. As the work of these ad- 



visory boards is practically completed, their personnel is undoubtedly 
available for the new work. To avoid unnecessary duplication of ma- 
chinery, therefore, this personnel should be taken by the State Council 
of Defense as a nucleus for forming Legal Committees on the plan out- 
lined below. 

The following plan, drawn up by the Council of National Defense, 
has the approval of the American Bar Association, which is writing to its 
representatives in each of the States asking them to cooperate with the 
State Councils of Defense in the formation of legal committees and the 
undertaking of their work. We recommend that this work be done in 
close cooperation with the American Bar Association and with the State 
and local bar associations. 

We ask, therefore: 

1. That you form a Legal Committee subordinate to your Council to per- 
form the folloiving duties: 

A. To draft and propose war emergency legislation for the State 

legislatures. 

B. To draw up a booklet of legal rules for the guidance of soldiers and 

sailors entering the service to be used by the local legal committee 
as a handbook for their work and as an instrument for making 
known to soldiers and sailors the need of legal preparation, care 
being taken to inform local committees of changes in laws or 
regulations subsequent to the compilation of the booklet. 

C. To supervise the formation and work of the local legal committee, 

whose organization is provided for below. 

2. That a legal committee to advise soldiers and sailors be created as a 
suborditiate committee of each comity or other local Council of Defense. A 
few States have created local legal committees of this type, and their work 
has demonstrated the value of such agencies. We suggest that in forming 
local legal committees you adopt, as far as possible, the organization of 
these existing business aid committees and the personnel of the Perma- 
nent Legal Advisory Boards created by the Provost Marshal General. 
A list of the names of the members of these boards in each State is filed 
with the Adjutant General of the State. W^e recommend that the first 
step in forming the local legal committees be the procuring of these lists. 
Such committee should have the following duties: 

A. To explain the selective service law to drafted men. 

B. To give legal advice as to the benefits of war risk insurance, allot- 

ment of soldiers' and sailors' pay by the Federal Government, 
Government family allowance, the Soldiers' and Sailors' Civil 
Rights Act, if it becomes a law, and other war emergency laws re- 
lating to men entering the service. Copies of these laws will be 
furnished by the War Department. The Home Service Sections 
of the Red Cross in many communities have information service 
in this regard organized and in operation. Coordination with 
their work on this point should be arranged so that their work 
may not be duplicated unnecessarily. The committee should 
also assist in drawing up the papers necessary to be filed to claim 
the benefits of the foregoing laws. 



C. To draft wills and attend to caring for the property and settling 

the business affairs of men entering the service. 

D. To represent soldiers and sailors in court where necessary, and ob- 

tain for them the benefits of the Civil Rights Act when in force. 

E. To arrange to attend to such business matters as require and are 

capable of attention in the absence of men in the service. 

F. To report to the Red Cross Home Service Section cases requiring 

relief which come to the attention of the committee. 

Each local committee should be composed primarily of lawyers, but 
should include in its membership a business man and a representative of 
the Red Cross Home Service Section. The members of each exemption 
board should be informed of the scope of the committee's work and be 
asked to cooperate. A bulletin showing the personnel of the committee, 
its headquarters, and the address of each member should be posted in the 
office of each exemption board and mailed to every drafted man. A 
special effort should be made to reach those classified for early service in 
order to enable them to have their affairs well taken care of when the 
time comes for them to enter the service. Publicity should also be given 
to the work of the committee through the public press, and information 
as to its work should be communicated to the Red Cross and other 
organizations doing relief work. 

We believe that the early organization of such committees under the 
supervision of the Legal Committee of your State Council will afford a 
great measure of aid to soldiers and sailors. We request that you in- 
form us of the name and address of the chairman of each committee as 
soon as appointed, in order that copies of Federal war emergency laws 
may be sent to them. If deemed preferable, such laws will be sent in 
bulk to the State Council of Defense for distribution. 

Very truly yours, 

W. E. GiFFORD, 

Director. 
George L. Porter, 

Chief of Section. 



LEGAL COMMITTEES 

The purpose of a local legal committee is to provide free legal advice 
when requested, to drafted men, and to this end the members should 
examine a man upon the matters hereafter stated and take for him such 
action as may be appropriate; namely: 

1. Whether he is married and has children, and their ages; what pro- 
vision he has made for their care; whether he has made a will, appointed 
an executor and a guardian of the estates of his minor children. 

2. Whether he owns real estate, and if so, how is the title held, and if 
there are mortgages or encumbrances of any kind against it. 

3. Whether he is interested in any business enterprises as a partner or 
otherwise, so that his interest may be protected. 

4. As to any judgments which may be entered against him, mortgages, 
or litigation in which he may be interested. 



5- Whether he has savings bank and checking accounts, and whether he 
has provided by a power of attorney for some one to act for him in this 
and other matters. 

6. Whether he is a stockholder in building and loan associations and 
has arranged for the payment of his dues, and, if he has given a mortgage 
to a building association, whether he has arranged for the payment of the 
dues to the building association and of interest on such mortgage. 

7. Whether he has life-insurance policies in insurance companies or 
fraternal orders, and, if so, whether he has given notice of his entry into 
military service, and whether he has provided for insurance under the 
War Risk Insurance Act. 

8. Is he a guardian, trustee, executor, administrator, or fiduciary of 
any kind, and, if so, whether a successor should be provided, or provision 
made for administration? 

Members of local legal committees are invited to consult with the 
members of the Advisory Board and are requested to keep a record of 
the name and address of any one whom they may advise, the information 
obtained, and the advice given, and to advise the Director of the Depart- 
ment of any novel questions and to make suggestions of courses to be 
followed or actions to be taken. 



SOLDIERS' AND SAILORS' CIVIL RELIEF 

Act of Congress approved March 8, 1918. For full text see Appendix, page 19. 



The headings which follow are based on a logical classification and do not 
correspond with the sections of the law. 

I. Entering Judgment on Default. — To enter judgment in default 
of an appearance by the defendant in any action or proceeding the 
plaintiff must: 

(a) File an affidavit stating that the defendant is not in military ser- 
vice.* If he cannot file such an affidavit, he must file: 

(b) An affidavit that the defendant is in the military service, or 

(c) That plaintiff is not able to determine whether or not the de- 

fendant is in such service. 
In case no affidavit is filed, judgment cannot be entered without an 
order of court. If in case such an order is sought, it appears that the 
defendant is in military service, the court must appoint an attorney to 
represent him before judgment can be entered. If it does not appear 
whether the defendant is in military service or not, the plaintiff" may be re- 
quired to file a bond to indemnify the defendant from loss. In case he is 
in military service, the court has discretion to require other conditions 
suitable to the requirements of the particular case. [Section 200.] 

II. Opening Judgment on Default. — In case such a judgment is 
entered during the period of such service, or thirty days after its termina- 

* "Military Service," by definition in the Act, includes naval as well as army service. 
The exact meaning of this and other phrases of the Act may be found by reference to 
the text. 



tion, and it appears that the person in the service was by reason thereof 
prejudiced in making a defense the judgment may be opened not later 
than ninety days after the termination of the military service, provided 
that it is made to appear that the defendant has a legal defense to the 
action. [Section 200.] 

III. Stay of Action, Proceeding, and Execution, and Staying 
OR Vacating Judgments and Attachments. — In any action or pro- 
ceedings against a person in military service during the period of service, 
or sixty days thereafter, the court may, in its discretion, or on applica- 
tion, shall "unless in the opinion of the court the ability of the defendant 
to comply with the judgment or order entered or sought is not materially 
affected by reason of his military service": [Section 201.] 

(a) Stay action or proceedings at any state. 

(b) Stay execution on the judgment. 

(c) Vacate or stay any judgment or attachment. [Section 203.] 
Such stay shall be for the period of service and three months thereafter. 

The court may provide for payment of the judgment by installments or 
subject to other suitable conditions. [Section 204.] 

IV. No Penalty in Case of Stay.— Such stay shall not give rise to a 
fine or penalty under a contract. [Section 202.] 

V. Distress or Eviction for Rent in Arrears. — In case of premises 
the rent of which does not exceed $50.00 per month, occupied chiefly for 
dwelling purposes by the wife, children, or other dependents of a person 
in military service, leave of court is necessary for eviction or distress. 
Such proceedings for eviction or distress may be stayed for not longer 
than three months, unless the tenant's ability to pay his rent was not 
materially affected by his military service. [Section 300.] 

VI. Installment Contracts.— In case of default on an installment 
contract for purchase of real estate or personal property, or a lease or 
bailment with the view to purchase, an installment of the purchase price 
has been paid, the person selling, leasing, etc., may not terminate the 
contract or resume possession of property except by action in court. In 
such action the court may order repayment of prior installments before 
retaking possession, or a stay of proceedings, or make other provisions 
unless the defendant's ability to comply with the contract was not ma- 
terially affected by his military service. [Section 301.] 

VII. Mortgages. — In case of a mortgage on real estate or personal 
property, in any proceeding to enforce such obligation against a person 
in military service, the court may, and on application shall, unless the 
defendant is not prejudiced by reason of his military service, stay the 
proceedings or make other disposition of the case. Sale under power of 
sale contained in such mortgage shall be valid if made during the period 
of military service or within three months afterward only if approved by 
the court. [Section 302.] 

VIII. Life Insurance. — In case of life insurance not exceeding face 
value of $5,000 held by a man in the service, where contract was made 
and the premium paid before September i, 191 7, no lapse for non-pay- 
ment of a premium during the period of such service or one year after its 
expiration shall be allowed. But the insured person must, within one 
year after that termination of the period of his service, pay to the insured 
all premiums with interest. The Bureau of War Risk Insurance is charged 



with the duty of looking after lapsed policies and protecting the insurance 
companies. [Section 402.] 

IX. Taxes. — In case taxes falling due during military service on real 
property owned and occupied continuously during the service for dwelling 
or business purposes by a person in military service or his dependents 
are unpaid, he may file an affidavit that his ability to pay is materially 
affected by such absence. Leave of court must then be obtained before 
sale of the property to collect the taxes, and the owner has a right to 
redeem at any time not later than six months after the termination of 
his period of service. [Section 500.] 

X. Public Lands. — No rights to the public lands of the United States, 
acquired prior to entering the military service, shall be forfeited or pre- 
judiced thereby. [Section 501.] 

XL Fraudulent Assignment.^ — The court shall proceed without 
regarding the provisions of this Act where there has been fraudulent 
assignment for the purpose of improperly obtaining the benefits of this 
Act. [Section 600.] 

XII. Sureties, Guarantors, and Indorsers. — The court has dis- 
cretion to grant to any surety, guarantor, or indorser a stay of the per- 
formance or enforcement of any obligation of liability which might be 
stayed or vacated under the provisions of the Act. [Section 103.] 

XIII. Government Guarantee of Life Insurance Premiums. — As 
to all policies, both in life insurance companies and in fraternal and bene- 
ficial associations, which were issued and a premium actually paid before 
September i, 1917, the government will undertake to see that policies up 
to a total value of $5,000 (irrespective of how many policies or in how 
many companies) will not be lapsed for non-payment of premiums. 

The six limitations on this protection are these: 

1. The policy must have been issued and a premium paid before Sep- 

tember I, 191 7; or the membership of a fraternal organization 
acquired before September i, 1917. 

2. Upon failure to pay premiums for a year before applying for this 

protection, the government will not protect such policy. 

3. If there is outstanding a policy loan or indebtedness which is half of 

cash surrender value of policy, the government does not guarantee 
policy. 

4. The total amount of insurance on which premiums will be guaranteed 

is $5,000 to any one person in service. 

5. This guarantee is only as to premiums. It does not apply to the 

limitations imposed by any "war clause." 

6. If policy lapsed before "commencement of service," the govern- 

ment does not protect policy. 

Note. For purposes of this Act, "commencement of service" as to all 
men in service before March 8, 1918, means March 8, 1918; as to men 
entering service thereafter it means the actual date of their entry. 

If the policy was in force at the "commencement of service," thus 
defined, it can be protected by an application made any time within a 
year from the date of the first unpaid premium. If the policy is within 
the Act this application will secure the protection even if the insurance 
company has marked the policy lapsed for non-payment of premium. 

The protection is extended only to insurance on the lives of persons in 

10 



service; it does not include dependents. Application can be made only 
by the insured man himself or by a person holding a valid power of 
attorney. 

WAR-RISK INSURANCE 

Act of Congress approved October 6, 191 7. For full text see Appendix, page 30. 



The Act provides, in brief, the following: 

1. For the support, during the war, of the families and dependents of 

enlisted men. • 1 1 u 

(a) Allotments ofpay.—Certiiin proportions of pay are to be withheld 

by the Government from the man and paid directly to the families or 

dependents, or for insurance, or for other purposes. Allotment or deposit 

of one-half of pay may be required in all cases. 

{h) Family allowances. — In addition to allotments of pay by the man, 

the United States will pay monthly allowances to the wife, children, and 

certain dependents. 

2. For the protection of officers and enlisted men and their dependents 
from the hazards of injury, disease, and death. 

(a) Compensation.— MonthXy payments, for disability and death due 
to injury and disease incurred in the line of duty. 

{b) Insurance.— Provided by the United States upon application and 
payment of premium, without medical examination, against total perma- 
nent disability and against death. The premium will be at normal peace 
rates without loading, and the United States will bear the extra cost due 
to war service. Provision is made for the continuation of the insurance 
after leaving the service. 

Military and Naval Pay Deposit Fund [Sec. 21]* 
A separate fund created in the Treasury, for deposit of allotments of 

pay for the benefit of the men themselves. 

These deposits to receive interest at 4 per cent per annum compounded 

semiannually. 

The Secretary of War and the Secretary of the Navy may require 

every enlisted man to deposit in this fund such proportion of his pay, 

not otherwise allotted, as will, added to the compulsory allotment, equal 

one-half pay. 

Definitions for the Purposes of the Act [Sec. 22] * 

"Military or naval forces" means the Army, the Navy, the Marine 
Corps, the Coast Guard, the Naval Reserves, the National Naval Volun- 
teers, and any other branch of the United States service while serving 
pursuant to law with the Army or the Navy. 

"Commissioned officer" includes a warrant officer, but includes only 
an officer in active service. 

"Man" or "enlisted man" means person, male or female, in active 
service in the military or naval forces of the United States, and includes 
noncommissioned and petty officers and members of training camps. 
* Section references cite the sections of the Act which are here summarized. 



"Injury" includes disease. 

"Pay" means the pay for service in the United States according to 
grade and length of service, excluding all allowances. 

"Child" is limited to an unmarried person either under i8 years of 
age, or incompetent, and includes, under certain conditions, a stepchild, 
adopted child, and illegitimate child. 

"Parent" includes a parent, grandparent, and step-parent, either of 
the person in the service or of the spouse. 

"Brother" and "sister" include brothers and sisters of the half blood 
as well as those of the whole blood, stepbrothers and stepsisters, and 
brothers and sisters through adoption. 

The bureau on request shall furnish information to and act for persons 
in service with respect to insurance as may be prescribed by regulation, 
and may on request keep records of policies, companies, etc. [Sec. 24.] 

Punishment provided for perjury or fraud. [Sees. 25-26.] 

Allotments and Family Allowances 
(Applies to enlisted men, not to officers.) 

Allotment of Pay [Sec. 201] 

Allotment of pay, compulsory as to wife (divorced wife in certain cases), 
compulsory as to child, voluntary as to other persons. 

Monthly compulsory allotment shall be in an amount equal to family 
allowances hereinafter specified but not more than one-half pay, or less 
than $15. 

The enlisted man may allot any proportion or amount of his pay in 
addition to the compulsory allotment for such purposes and persons as 
he may direct, subject to regulations. [Sec. 202.] 

The Secretary of War and the Secretary of Navy may require that any 
proportion of one-half pay which is not allotted shall be deposited in 
the military and naval pay deposit fund for the benefit of the man. 
[Sec. 203.] 

Compulsory allotment may be waived on written consent of wife, sup- 
ported by evidence of her ability to support herself and children. [Sec. 
201.] 

Compulsory allotment may be excused for good cause shown, subject 
to regulations. [Sec. 201.] 

Family Allowance [Sec. 204] 

A family allowance not to exceed $50, in addition to pay allotted by the 
man, shall be paid by the United States. 

Family allowance shall be paid upon application, which may be made 
by the man, or made by or in behalf of the beneficiary. 

No family allowance shall be made for any period preceding Novem- 
ber I, 19 1 7. 

Family allowance will be paid from the time of enlistment, but ceases 
one month after the termination of the war, or at death in, or one month 
after discharge from the service. 

12 



Beneficiaries Entitled to Family Allowance, and Schedules 
If the enlisted person is a man: 
Class A. Wife, child, or children: 

(a) If there be a wife but no child, $15. 

{b) If there be a wife and one child, $25. 

(c) If there be a wife and two children, $32.50, with $5 per 

month additional for each additional child. 
{d) If there be no wife, but one child, $5. 
{e) If there be no wife, but two children, $12.50. 
(/) If there be no wife, but three children, $20. 
{g) If there be no wife, but four children, $30, with $5 per 

month additional for each additional child. 
Qi) If there is a former wife divorced who has not remarried 
and to whom alimony has been decreed, $15. 
Class B. Grandchild, parent, brother or sister: 
(a) If there be one parent, $10. 
{b) If there be two parents, $20. 
(c) For each grandchild, brother, sister, and additional parent, 

$5. 
If the enlisted person is a woman: 
Class A. (None.) 

Class B. Child, grandchild, parent, brother or sister: 
(a) If there be one parent, $10. 
{b) If there be two parents, $20. 
(c) For each grandchild, brother, sister, and additional parent, 

$5- 
{d) If there be one child, $5. 
{e) If there be two children, $12.50. 
(/) If there be three children, $20. 
{g) If there be four children, $30, with $5 per month additional 

for each additional child. 

Family allowances for class A shall be paid only if and while a compul- 
sory allotment is made to a member or members of such class. [Sec. 205.] 

Family allowances to members of class B shall be paid only if and 
while the member is dependent in whole or in part on the enlisted man, 
and only if and while an allotment of pay is made to a member or mem- 
bers of such class. [Sec. 206.] 

The total monthly allowance to beneficiaries of Class B added to the 
enlisted man's monthly allotment to them shall not exceed the average 
sum habitually contributed by him to their support monthly. 

The commissioner after investigation shall make an award, on which 
the amount of allotments shall be determined. 

The commissioner shall have continuing jurisdiction over his awards. 

The amount of each monthly allotment and allowance shall be deter- 
mined according to the conditions then existing. [Sec. 210.] 

Compensation for Death or Disability [Sec. 300] 
Compensation is payable to officers and enlisted men and to members 
of the Army Nurse Corps or of the Navy Nurse Corps when employed 
in active service under the War or Navy Department. 

13 



Compensation shall be payable for death or disability resulting from 
personal injury suffered or disease contracted in line of duty, unless 
caused by the person's own willful misconduct. 

The compensation shall be paid by the United States without contribu- 
tions from the persons protected. 

Compensation in Case of Death [Sec. 301] 
To Family. — The persons entitled to receive compensation in case of 

death are the widow, children, and dependent mother or father, or both, 

of the deceased. 
The amounts payable monthly are fixed and are not based upon the 

pay of the deceased : 

(a) For a widow alone, $25. 

(b) For a widow and one child, $35. 

(c) For a widow and two children, $42.50, with $5 for each additional 

child up to two. 

(d) If there be no widow, then for one child, $20. 

(e) For two children, $30. 

(/) For three children, $40, with $5 for each additional child up to two. 

(g) For a mother or dependent father, $20 each, or both, $30. The 

amount payable under this subdivision shall not be greater than 

a sum which, when added to the total amount payable to the 

widow and children, does not exceed $75. 

Compensation to a widow or widowed mother shall continue until 

death or remarriage. 

Compensation to a child shall cease at the age of 18, or at marriage, 
unless the child is incompetent. 

Funeral Allowance. — The United States shall pay burial expenses 
not to exceed $100. 

Compensation in Case of Total Disability [Sec. 302] 
During the continuance of total disability, monthly compensation shall 

be paid to the injured person. 

The amounts payable monthly are fixed and are not based upon the 

pay of the injured person: 

(a) If he has neither wife nor child living, $30. 

(b) If he has a wife but no child living, $45. 

(c) If he has a wife and one child living, $55. 

(d) If he has a wife and two children living, $65. 

(e) If he has a wife and three or more children living, $75. 

(/) If he has no wife but one child living, $40, with $10 for each addi- 
tional child up to two. 
(g) If he has a widowed mother dependent upon him for support, then, 

in addition to the above amounts, $10. 
To an injured person who is totally disabled and in addition so helpless 
as to be in constant need of a nurse or attendant, such additional sum 
shall be paid, but not exceeding $20 per month, as the director may deem 
reasonable. 

For certain specified conditions, or if the injured person is permanently 
bedridden, $100 monthly compensation is provided. (But no allowance 
for a nurse shall be made.) 

14 



Compensation in Case of Partial Disability 
The amount of compensation in case of partial disability is a percentage 

of the compensation provided in case of total disability. 

The percentage is equal to the reduction in earning capacity resulting 

from the injury. 

A schedule of disability ratings has been adopted, based upon average 

impairments of earning capacity in civil occupations resulting from 

specific injuries of a permanent nature. 

Provisions Relating to Disability 

In addition to compensation the United States furnishes medical, sur- 
gical, and hospital services, and supplies. 

Provision is made for frequent examinations of the disabled. 

Every person in receipt of compensation shall submit to reasonable 
treatment. [Sec. 303.] 

Sec. 304. [This section was repealed by act of June 27, 1918 — voca- 
tional rehabilitation act — Public — No. 178 — 65th Cong.] 

The bureau has continuing jurisdiction over compensation cases. 
[Sec. 305.] 

Conditions Governing Compensation 

Death or disability, to be compensable, must occur while in the service 
or within one year after discharge or resignation. 

Except that, if the injured person, within one year after leaving the 
service, shall undergo a medical examination and obtain a certificate that 
at the time of his discharge or resignation from the service he was suffer- 
ing from an injury likely to cause death or disability, compensation shall 
be payable whenever death or disability resulting from such injury occurs. 
[Sec. 306.] 

Compensation shall not be payable for death in the course of the ser- 
vice until the death be officially recorded. 

No compensation shall be payable for a period in which the man has 
been reported " missing " and a family allowance has been paid for him. 
[Sec. 307.J 

Death inflicted as a punishment for a crime or military offense is not 
compensable unless it is inflicted by the enemy. 

Dishonorable discharge is a bar to any compensation. [Sec. 308.] 

Compensation is not assignable and is exempt from attachment, execu- 
tion, and from all taxation. [Sec. 311.] [See Sec. 28.] 

Compensation shall not be paid while the person is in receipt of service 
or retirement pay. 

Except as rights have heretofore accrued, existing laws providing pay- 
ments in the event of death in the service and existing pension laws shall 
not be applicable to persons now or hereafter in the service. 

Compensation to members of the Army Nurse Corps or of the Navy 
Nurse Corps is in lieu of compensation under the act of September 7, 1916. 
[Sec. 312.] 

When Claim Must Be Filed 

In case of disability, claim must be filed within five years after discharge 
or resignation from the service; or, if the disability occur after leaving 
the service, within five years after the beginning of disability. 

15 



In case of death during service, the claim must be filed within five 
years after the death is offtcially recorded. 

In case of death after discharge or resignation from the service, the 
claim must be filed within five years after death. [Sec. 309.] 

No compensation shall be payable for any period more than two years 
prior to the date of claim. [Sec. 310.] 

Insurance 

Insurance against death or total permanent disability is provided by the 
United States and made available to every of^cer and enlisted man and 
to members of the Army Nurse Corps and Navy Nurse Corps when 
employed in active service under the War and Navy Departments. 

Insurance must be in multiples of $500 and not less than $1,000 or 
more than $10,000. 

Insurance is granted upon application to, and payment of premium 
to, the bureau. 

Insurance is granted without medical examination. [Sec. 400.] 

Insurance must be applied for within 120 days after enlistment and 
before discharge or resignation from the service. [Sec. 401.] 

The premiums are payable monthly, and are determined upon age, as 
follows: 

Age Premium For Per Month Per Year 

21 ] ( $ 1,000 $ .65 $ 7.80 

23 J [ 10,000 6.50 78.00 

24 1 f 1,000 .66 7.92 

25 J \ 10,000 6.60 79.20 

26 1 f 1,000 .67 8.04 

27 / \ 10,000 6.70 80.40 

28 f 1,000 .68 8.16 

[ 10,000 6.80 81.60 

29 1 f 1,000 .69 8.28 

30 J \ 10,000 6.90 82.80 

Note. — These provisions do not apply to men between the ages of 18-20 and 31-45 
inclusive, called under the Act of Congress approved August 31, 1918. 

Automatic Insurance 

Any person in active service on or after the 6th of April, 1917, is insured 
automatically until February 12, 191 8, unless he has applied for insurance 
to take effect at an earlier date. 

The protection thus given is against death and against total permanent 
disability occurring, while in active service, from April 6, 1917, to Feb- 
ruary 12, 1918, inclusive. 

If the insured person die, without having become so disabled, during 
the period stated, monthly installments of $25 each will be paid his wife 
during widowhood or to his child, or widowed mother while they survive 
him, but not more than 240 installments shall be so paid. 

If the insured person becomes totally and permanently disabled dur- 
ing the period stated he will receive an income payable in monthly in- 
stallments of $25 each during disability. If he die, like installments are 
payable to the wife during her widowhood or to the child or widowed 
mother while they survive him, but not more than 240 installments less 

16 



the number of installments that may have been paid to the insured while 
disabled shall be so paid. [Sec. 402.] 

Insurance Details 

Insurance is not assignable or subject to claims of creditors of the insured 
or of the beneficiaries. 

Insurance is payable only to a wife or husband, child, grandchild, 
parent, brother, or sister of the injured or to himself. (Automatic insur- 
ance is payable only to a wife, child, or widowed mother.) 

Insurance is payable in 240 monthly installments, except that in the 
case of total permanent disability monthly installments will be continued 
throughout the duration of disability. 

Provisions for endowment, continuous installments, surrender values, 
dividends, etc., as may be reasonable, are provided by regulation. 

The insured has the right to change the beneficiary without consent, 
but only within the permitted class. 

If no beneficiary within the permitted class be designated by the in- 
sured, either in his lifetime or by his will, or if the designated beneficiary 
does not survive the insured, the insurance (or if any beneficiary sur- 
vives the insured but does not receive all the installments, then the re- 
maining installments) shall be payable to such person or persons, within 
the permitted class of beneficiaries, as would under the laws of the State 
of the residence of the insured be entitled to his personal property in case 
of intestacy. If no such person survive the insured, then there shall be 
paid to the estate of the insured an amount equal to the reserve value, if 
any, of the insurance at the time of his death. [Sec. 402.] 

The United States bears the expense of administration and the ex- 
cess mortality and disability cost resulting from hazards of war. 

Premium rates shall be net rates, based upon the American Experience 
Table of Mortality, and 3>^ per cent interest. Such rates do not include 
any provision for expenses. [Sec. 403. 1 

During the period of the war and for five years thereafter, unless sooner 
converted, the insurance shall be term insurance for successive terms of 
one year each. 

Not later than five year^ after the termination of the war the insured 
shall have the right to convert this term insurance into any of the usual 
forms of insurance at the net premium rate for such forms of insurance. 

No medical examination can be required as a condition of converting 
the insurance. 

Unless the privilege of conversion is exercised the insurance can not 
be continued after the expiration of the five-year period. 

To carry out the privilege of conversion, ordinary life insurance, 20- 
payment life-insurance, endowment maturing at age 62, and other usual 
forms of insurance are provided. 

Premiums are not required for more than one month in advance and 
may be deducted from the pay or deposit of the insured. 

BUILDING AND LOAN ASSOCIATIONS 
As many men about to enter the service are stockholders in building 
associations, it is necessary that their rights as stockholders should be 

17 



protected, and a person authorized to act for them as to withdrawal or 
cancellation of shares and payment of dues. 

Many building association mortgages are held against the property of 
draftees, and as the maturity of shares occur, mortgages will be paid off. 
It is necessary that the person intrusted with power of attorney should 
see to the satisfaction of such mortgages and represent the stockholders 
in payment of matured shares. 

[See Acts of Assembly: Act of April 29, 1874, Section 37, P. L. 73; 
Act of April 10, 1879, P. L. 16; Act of May 14, 1913, P. L. 205; Act of 
Julys, 1917. P- L. 675.] 



DECEDENT'S ESTATES 

The attention of men about to enter the naval or military service 
should be called to recent testamentary legislation in Pennsylvania. For 
the purpose of facilitating this, references are made to the Acts of As- 
sembly: 

(i) The Intestate Act. — The Intestate Act of June 7, 1917, P. L. 429, 
relates to the descent and distribution of the real and personal property 
of persons dying intestate and also to the administrative functions of the 
Orphans' Courts. This Act was effective December 31, 1917. 

(2) The Fiduciaries' Act. — The Fiduciaries' Act of June 7, 1917, P. L. 
447, relates to the administration and distribution of the estates of de- 
cedents and of minors, and all trust estates, including the appointment 
of all persons acting in Fiduciary capacity. 

(3) The Wills /Ic/.— The Wills Act of June 7, 1917, P. L. 403, relates to 
the form, execution, revocation, and interpretation of wills, to non- 
cupative wills, to the appointment of testamentary guardians, to spend- 
thrift trusts forfeiture, and elections to take under or against wills. 
This Act went into effect December 31, 1917. Section 5 of this Act re- 
lates to the wills of marines and soldiers in actual military service, and 
provides that he may dispose of his personal property as he might have 
done before the making of this Act. Wills of such persons, though oral, 
must, however, be proved by two witnesses. Smith's Will 6 Philadelphia, 
104. 

EXEMPTION FROM CIVIL PROCESS 

In addition to the protection afforded by the Federal Civil Relief Act 
of March 8, 1918, the Pennsylvania Act of May 5, 191 1, P. L. 131, Sec- 
tion 60, exempts persons engaged in active military service from civil pro- 
cess and extends such exemption thirty days after they shall be relieved 
from active service. 



PENNSYLVANIA STATE ALLOWANCE 

The Act of June 7, 1917, P. L. 600, provides that appointive officers 
and employees, employed by the Commonwealth of Pennsylvania in its 
Civil Service or by any Department Bureau, county, municipality, town- 
ship or school district, shall not be deemed to have resigned their employ- 
ment by reason of enlistment or draft in the military or naval service of 



the United States, and further provides that half of the salary or wages 
of such officers or employees as have dependent wives, children, or parents, 
and not exceeding $2,000 per annum, be paid during the term of their 
service in the army or navy to such dependents. 

GUARDIANSHIP AND CUSTODY OF CHILDREN 

See Section 8 of the Wills Act, 1917, and Section 59 of the Fiduciaries' 
Act, 1917. 

TRUSTS AND TRUSTEES 

Many cases will arise in which draftees who are the owners of real 
estate will desire the services of a trustee. Whether the trustee shall be 
an individual or a trust company may depend on the nature of the trust 
and also upon the provision which the draftee has made for his family 
by will. 

It is desirable that wills be deposited in safe keeping, and it is suggested 
that arrangements be made with local trust companies or banks to act 
as depositary without charge. 



APPENDIX 

SOLDIERS' AND SAILORS' CIVIL RELIEF ACT 

(Approved March 8, 191 8) 

[Public — No. 103 — 65TH Congress.] 

[H. R. 6361.] 

An Act to extend protection to the civil rights of members of the MiHtary and Naval 
Establishments of the United States engaged in the present war. 

Be it enacted by the Senate and House of Representatives of the United 
States of America in Congress assembled. 

Article I 

GENERAL PROVISIONS 

Sec. 100. That for the purpose of enabling the United States the 
more successfully to prosecute and carry on the war in which it is at 
present engaged, protection is hereby extended to persons in military 
service of the United States in order to prevent prejudice or injury to 
their civil rights during their term of service and to enable them to de- 
vote their entire energy to the military needs of the Nation, and to this 
end the following provisions are made for the temporary suspension ot 
legal proceedings and transactions which may prejudice the civil rights 
of persons in such service during the continuance of the present war. 

Sec. ioi. (i) That the term "persons in military service," as used 
in this Act, shall include the following persons and no others: All officers 
and enlisted men of the Regular Army, the Regular Army Reserve, the 
Officers' Reserve Corps, and the Enlisted Reserve Corps; all officers and 
enlisted men of the National Guard and National Guard Reserve recog- 

19 



nized by the Militia Bureau of the War Department; all forces raised 
under the Act entitled "An Act to authorize the President to increase 
temporarily the Military Establishment of the United States," approved 
May eighteenth, nineteen hundred and seventeen; all officers and en- 
listed men of the Navy, the Marine Corps, and the Coast Guard; all 
officers and enlisted men of the Naval Militia, Naval Reserve force. 
Marine Corps Reserve, and National Naval Volunteers recognized by the 
Navy Department; all officers of the Public Health Service detailed by 
the Secretary of the Treasury for duty either with the Army or the Navy; 
any of the personnel of the Lighthouse Service and of the Coast and 
Geodetic Survey transferred by the President to the service and jurisdic- 
tion of the War Department or of the Navy Department; members of 
the Nurse Corps; Army field clerks; field clerks. Quartermaster Corps; 
civilian clerks and employees on duty with the military forces detailed 
for service abroad in accordance with provisions of existing law; and 
members of any other body who have heretofore or may hereafter become 
a part of the military or naval forces of the United States. The term 
"military service," as used in this definition, shall signify active service 
in any branch of service heretofore mentioned or referred to, but reserves 
and persons on the retired list shall not he included in the term "persons in 
military service" until ordered to active service. The term "active service" 
shall include the period during which a person in military service is absent 
from duty on account of sickness, wounds, leave, or other lawful cause. 

(2) The term "period of military service," as used in this Act, shall 
include the time between the following dates: For persons in active ser- 
vice at the date of the approval of this Act it shall begin with the date 
of approval of this Act; for persons entering active service after the date 
of this Act, with the date of entering active service. It shall terminate 
with the date of discharge from active service or death while in active 
service, but in no case later than the date when this Act ceases to be in 
force. 

(3) The term "person," as used in this Act, with reference to the 
holder of any right alleged to exist against a person in military service 
or against a person secondarily liable under such right, shall include in- 
dividuals, partnerships, corporations, and any other forms of business 
association. 

(4) The term "court" as used in this Act shall include any court of 
competent jurisdiction of the United States or of any State, whether or 
not a court of record. 

(5) The term "termination of the war" as used in this Act shall mean 
the termination of the present war by the treaty of peace as proclaimed 
by the President. 

Sec. 102. (i) That the provisions of this Act shall apply to the 
United States, the several States and Territories, the District of Colum- 
bia, and all territory subject to the jurisdiction of the United States, and 
to proceedings commenced in any court therein, and shall be enforced 
through the usual forms of procedure obtaining in such courts or under 
such regulations as may be by them prescribed. 

(2) When under this Act any application is required to be made to 
a court in which no proceeding has already been commenced with respect 
to the matter, such application may be made to any court. 

20 



Sec. 103. Whenever pursuant to any of the provisions of this Act 
the enforcement of any obHgation or Hability, the prosecution of any 
suit or proceeding, the entry or enforcement of any order, writ, judgment, 
or decree, or the performance of any other act, may be stayed, postponed, 
or suspended, such stay, postponement, or suspension may, in the dis- 
cretion of the court, Hkewise be granted to sureties, guarantors, indorsers, 
and others subject to the obHgation or habiUty, the performance or en- 
forcement of which is stayed, postponed, or suspended. 

When a judgment or decree is vacated or set aside in whole or in part, 
as provided in this Act, the same may, in the discretion of the court, 
likewise be set aside and vacated as to any surety, guarantor, indorser, 
or other person liable upon the contract or liability for the enforcement 
of which the judgment or decree was entered. 

Article II 

GENERAL RELIEF 

Sec. 200. That in any action or proceeding commenced in any court 
if there shall be a default of an appearance by the defendant the plaintifT 
before entering judgment shall file in the court an afitidavit setting forth 
facts showing that the defendant is not in military service. If unable to 
file such affidavit plaintiff shall in lieu thereof file an affidavit setting 
forth either that the defendant is in the military service or that plaintiff 
is not able to determine whether or not defendant is in such service. If 
an affidavit is not filed showing that the defendant is not in the mili- 
tary service, no judgment shall be entered without first securing an order 
of court directing such entry, and no such order shall be made if the 
defendant is in such service until after the court shall have appointed an 
attorney to represent defendant and protect his interest and the court 
shall on application make such appointment. Unless it appears that the 
defendant is not in such service the court may require as a condition 
before judgment is entered that the plaintiff file a bond approved by the 
court conditioned to indemnify the defendant, if in military service, 
against any loss or damage that he may suffer by reason of any judgment 
should the judgment be thereafter set aside in whole or in part. And 
the court may make such other and further order or enter such judg- 
ment as in its opinion may be necessary to protect the rights of the 
defendant under this Act. 

(2) Any person who shall make or use an affidavit required under 
this section knowing it to be false shall be guilty of a misdemeanor and 
shall be punishable by imprisonment not to exceed one year or by fine 
not to exceed $1,000, or both. 

(3) In any action or proceeding in which a person in military service 
is a party if such party does not personally appear therein or is not 
represented by an authorized attorney, the court may appoint an attorney 
to represent him; and in such case a like bond may be required and an 
order made to protect the rights of such person. But no attorney ap- 
pointed under this Act to protect a person in military service shall have 
power to waive any right of the person for whom he is appointed or bind 
him by his acts. 

(4) If any judgment shall be rendered in any action or proceeding 



governed by this section against any person in military service during 
the period of such service or within thirty days thereafter, and it appears 
that such person was prejudiced by reason of his miUtary service in mak- 
ing his defense thereto, such judgment may, upon appHcation, made by 
such person or his legal representative, not later than ninety days after 
the termination of such service, be opened by the court rendering the 
same and such defendant or his legal representative let in to defend; 
provided it is made to appear that the defendant has a meritorious or 
legal defense to the action or some part thereof. Vacating, setting aside, 
or reversing any judgment because of any of the provisions of this Act 
shall not impair any right or title acquired by any bona fide purchaser 
for value under such judgment. 

Sec. 201. That at any stage thereof any action or proceeding com- 
menced in any court by or against a person in military service during 
the period of such service or within sixty days thereafter may, in the 
discretion of the court in which it is pending, on its own motion, and 
shall, on application to it by such person or some person on his behalf, 
be stayed as provided in this Act, unless, in the opinion of the court, 
the ability of plaintiff to prosecute the action or the defendant to con- 
duct his defense is not materially affected by reason of his military 
service. 

Sec. 202. That when an action for compliance with the terms of any 
contract is stayed pursuant to this Act no fine or penalty shall accrue 
by reason of failure to comply with the terms of such contract during 
the period of such stay, and in any case where a person fails to perform 
any obligation and a fine or penalty for such nonperformance is incurred 
a court may, on such terms as may be just, relieve against the enforce- 
ment of such fine or penalty if it shall appear that the person who would 
suffer by such fine or penalty was in the military service when the penalty 
was incurred and that by reason of such service the ability of such per- 
son to pay or perform was thereby materially impaired. 

Sec. 203. That in any action or proceeding commenced in any court 
against a person in military service, before or during the period of such 
service, or within sixty days thereafter, the court may, in its discretion, 
on its own motion, or on application to it by such person or some per- 
son on his behalf shall, unless in the opinion of the court the ability of 
the defendant to comply with the judgment or order entered or sought 
is not materially affected by reason of his military service: 

(i) Stay the execution of any judgment or order entered against such 
person, as provided in this Act, and 

(2) Vacate or stay any attachment or garnishment of property, 
money, or debts in the hands of another, whether before or after judg- 
ment, as provided in this Act. 

Sec. 204. That any stay of any action, proceeding, attachment, or 
execution, ordered by any court under the provisions of this Act may, 
except as otherwise provided, be ordered for the period of military ser- 
vice and three months thereafter or any part of such period, and subject 
to such terms as may be just, whether as to payment in installments of 
such amounts and at such times as the court may fix or otherwise. Where 
the person in military service is a codefendant with others the plaintiff 
may nevertheless by leave of court proceed against the others. 



Sec. 205. That the period of miHtary service shall not be included in 
computing any period now or hereafter to be limited by any law for the 
bringing of any action by or against any person in military service or by 
or against his heirs, executors, administrators, or assigns, whether such 
cause of action shall have accrued prior to or during the period of such 
service. 

Article III 

RENT, INSTALLMENT CONTRACTS, MORTGAGES 

Sec. 300. (i) That no eviction or distress shall be made during the 
period of military service in respect of any premises for which the agreed 
rent does not exceed $50 per month, occupied chiefly for dwelling pur- 
poses by the wife, children, or other dependents of a person in military 
service, except upon leave of court granted upon application therefor or 
granted in an action or proceeding affecting the right of possession. 

(2) On any such application or in any such action the court may, in 
its discretion, on its own motion, and shall, on application, unless in the 
opinion of the court the ability of the tenant to pay the agreed rent is 
not materially affected by reason of such military service, stay the pro- 
ceedings for not longer than three months, as provided in this Act, or it 
may make such other order as may be just. 

(3) Any person who shall knowingly take part in any eviction or dis- 
tress otherwise than as provided in subsection (i) hereof shall be guilty 
of a misdemeanor, and shall be punishable by imprisonment not to exceed 
one year or by fine not to exceed $1,000, or both. 

(4) The Secretary of War or the Secretary of the Navy, as the case 
may be, is hereby empowered, subject to such regulations as he may 
prescribe, to order an allotment of the pay of a person in military ser- 
vice in reasonable proportion to discharge the rent of premises occupied 
for dwelling purposes by the wife, children, or other dependents of such 
person. 

Sec. 301. (i) That no person who has received, or whose, assignor 
has received, under a contract for the purchase of real or personal prop- 
erty, or of lease or bailment with a view to purchase of such property, 
a deposit or installment of the purchase price from a person or from the 
assignor of a person who, after the date of payment of such deposit or 
installment, has entered military service, shall exercise any right or option 
under such contract to rescind or terminate the contract or resume pos- 
session of the property for non-payment of any installment falling due 
during the period of such military service, except by action in a court 
of competent jurisdiction. 

(la) Any person who shall knowingly resume possession of property 
which is the subject of this section otherwise than as provided in sub- 
section (i) hereof shall be guilty of a misdemeanor and shall be punished 
by imprisonment not to exceed one year or by fine not to exceed §1,000, 
or both. 

(2) Upon the hearing of such action the court may order the repay- 
ment of prior installments or deposits or any part thereof, as a condition 
of terminating the contract and resuming possession of the property, or 
may, in its discretion, on its own motion, and shall, on application to it 
by such person in military service or some person on his behalf, order a 

23 



stay of proceedings as provided in this Act unless, in the opinion of the 
court, the abihty of the defendant to comply with the terms of the con- 
tract is not materially affected by reason of such service; or it may make 
such other disposition of the case as may be equitable to conserve the 
interests of all parties. 

Sec. 302. (i) That the provisions of this section shall apply only to 
obligations originating prior to the date of approval of this Act and 
secured by mortgage, trust deed, or other security in the nature of a 
mortgage upon real or personal property owned by a person in military 
service at the commencement of the period of the military service and 
still so owned by him. 

(2) In any proceeding commenced in any court during the period of 
military service to enforce such obligation arising out of nonpayment of 
any sum thereunder due or out of any other breach of the terms thereof 
occurring prior to or during the period of such service, the court may, 
after hearing, in its discretion, on its own motion, and shall, on applica- 
tion to it by such person in military service or some person on his behalf, 
unless in the opinion of the court the ability of the defendant to comply 
with the terms of the obligation is not materially affected by reason of 
his military service — 

(a) Stay the proceedings as provided in this Act; or 

(b) Make such other disposition of the case as may be equitable to 
conserve the interests of all parties. 

(3) No sale under a power of sale or under a judgment entered upon 
warrant of attorney to confess judgment contained in any such obliga- 
tion shall be valid if made during the period of military service or within 
three months thereafter, unless upon an order of sale previously granted 
by the court and a return thereto made and approved by the court. 

Article IV 

INSURANCE 

Sec. 400. That in this Article the term "policy" shall include any 
contract of life insurance on the level premium or legal reserve plan. It 
shall also include any benefit in the nature of life insurance arising out 
of membership in any fraternal or beneficial association; the term 
"premium" shall include membership dues or assessments in such asso- 
ciation, and the date of issuance of policy as herein limited shall refer 
to the date of admission to membership in such association; the term 
"insured" shall include any person who is the holder of a policy as de- 
fined in this Article; the term "insurer" shall include any corporation, 
partnership, or other form of association which secures or provides in- 
surance under any policy as defined in this Article. 

Sec. 401. That the benefits of this Article shall apply to any person 
in military service who is the holder of a policy of life insurance, when 
such holder shall apply for such benefits on a form prepared in accord- 
ance with regulations which shall be prescribed by the Secretary of the 
Treasury. Such form shall set forth particularly that the application 
therein made is a consent to such modification of the terms of the original 
contract of insurance as are made necessary by the provisions of this 
Article and by receiving and filing the same the insurer shall be deemed 

24 



to have assented thereto, to the extent, if any, to which the poHcy on 
which the appHcation is made is within the provisions of this Article. 
The original of such application shall be sent by the insured to the in- 
surer, and a copy thereof to the Bureau of War Risk Insurance. 

The Bureau of War Risk Insurance shall issue through suitable mili- 
tary and naval channels a notice explaining the provisions of this Article 
and shall furnish forms to be distributed to those desiring to make appli- 
cation for its benefits. 

Sec. 402. That the benefits of this Act shall be available to any per- 
son in military service in respect of contracts of insurance in force under 
their terms up to but not exceeding a face value of $5,000, irrespective 
of the number of policies held by such person whether in one or more 
companies, when such contracts were made and a premium was paid 
thereon before September first, nineteen hundred and seventeen; but in 
no event shall the provisions of this Article apply to any policy on which 
premiums are due and unpaid for a period of more than one year at the 
time when application for the benefits of this Article is made or in respect 
of any policy on which there is outstanding a policy loan or other indebted- 
ness equal to or greater than fifty per centum of the cash surrender value 
of the policy. 

Sec. 403. That the Bureau of War Risk Insurance shall, subject to 
regulations, which shall be prescribed by the Secretary of the Treasury, 
compile and maintain a list of such persons in military service as have 
made application for the benefits of this Article, and shall (i) reject any 
applications for such benefits made by persons who are not persons in 
military service; (2) reject any applications for such benefits in excess of 
the amount permitted by section four hundred and two; and (3) reject 
any applications in respect of contracts of insurance otherwise not entitled 
to the benefits of this Article. Said bureau shall immediately notify the 
insurer and the insured in writing of every rejection or approval. 

Sec. 404. That when one or more applications are made under this 
Article by any one person in military service in respect of insurance ex- 
ceeding a total face value of $5,000, whether on one or more policies or 
in one or more companies, and the insured shall not in his application 
indicate an order of preference, the Bureau of War Risk Insurance shall 
reject such policies as have the inferior cash surrender value, so as to 
reduce the total benefits conferred within the face value of $5,000, and 
where necessary for this purpose shall direct the insurer to divide any 
policy into two separate policies. The said bureau shall immediately 
notify the insurer and the insured in writing of such selection. 

Sec. 405. That no policy which has not lapsed for the nonpayment 
of premium before the commencement of the period of military service 
of the insured, and which has been brought within the benefits of this 
Article, shall lapse or be forfeited for the nonpayment of premium during 
the period of such service or during one year after the expiration of such 
period: Provided, That in no case shall this prohibition extend for more 
than one year after the termination of the war. 

Sec. 406. That within the first fifteen days of each calendar month 
after the date of approval of this Act until the expiration of one year 
after the termination of the war, every insurance corporation or asso- 
ciation to which application has been made as herein provided, for the 

25 



benefits of this Article, shall render to the Bureau of War Risk Insur- 
ance a report, duly verified, setting forth the following facts: 

First. The names of the persons who have applied for such benefits, 
and the face value of the policies in respect of which such benefits have 
been applied for by such persons, during the preceding calendar month; 

Second. A list as far as practicable of the premiums in respect of 
policies entitled to the benefits of this Article which remain unpaid on 
the last day of the preceding calendar month, which day is at least 
thirty-one days after the due date of the premiums, provided such pre- 
miums have not previously been so reported as in default; 

Third. A list of premiums which, having been previously reported 
as in default, have been paid by the policyholder or some one on his 
behalf in whole or in part during the preceding calendar month ; 

Fourth. A computation of the difference between the total amount 
of defaulted premiums therein reported and the total amount of pre- 
miums paid as therein reported, after having been previously reported 
as in default. From this sum shall be deducted the total sum of any 
premiums previously reported as in default, upon policies in respect of 
which the Bureau of War Risk Insurance has, since the date of such 
report, rejected an application for the benefits of this Article. The final 
sum so arrived at shall be denominated the monthly difference. 

Sec. 407. That the Bureau of War Risk Insurance shall verify the 
computation of monthly difference reported by each insurer, and shall 
certify it, as corrected, to the Secretary of the Treasury and the insurer. 

Sec. 408. That the Secretary of the Treasury shall, within ten days 
thereafter, deliver each month to the proper officer of each insurer, bonds 
of the United States to the amount of that multiple of $100 nearest to 
the monthly dift'erence certified in respect of each insurer. Such bonds 
shall be registered in the names of the respective insurers, who shall be 
entitled to receive the interest accruing thereon, and such bonds shall 
not be transferred, or again registered, except upon the approval of the 
Director of the Bureau of War Risk Insurance, and shall remain in the 
possession of the insurer until settlement is made in accordance with 
this Article: Provided, That whenever the fact of insolvency shall be 
ascertained by the Director of the Bureau of War Risk Insurance all 
obligation on the part of the United States, under this Article, for future 
premiums on policies of such insurer shall thereupon terminate. An in- 
surer shall furnish semiannual statements to the Bureau of War Risk 
Insurance. 

Sec. 409. That the bonds so delivered shall be held by the respective 
insurers as security for the payment of the defaulted premiums with in- 
terest. To indemnify it against loss the United States shall have a first 
lien upon any policy receiving the benefits of this Article, subject only 
to any lien existing at the time the policy became subject to this Act, 
and no loan or settlement or payment of dividend shall be made by the 
insurer on such policy which may prejudice the security of such lien. 
Before any dividend is paid or any loan or settlement is made the written 
consent of the Bureau of War Risk Insurance must be obtained. 

Sec. 410. That in the event that the military service of any person 
being the holder of a policy receiving the benefits of this Article shall be 
terminated by death, the amount of any unpaid premiums, with interest 

26 



at the rate provided for in the pohcy for poHcy loans, shall be deducted 
from the proceeds of the policy and shall be included in the next monthly 
report of the insurer as premiums paid. 

Sec. 411. That if the insured does not within one year after the termi- 
nation of his period of military service pay to the insurer all past due 
premiums with interest thereon from their several due dates at the rate 
provided in the policy for policy loans, the policy shall at the end of such 
year immediately lapse and become void, and the insurer shall thereupon 
become liable to pay the cash surrender value thereof, if any: Provided, 
That if the insured is in the military service at the termination of the war 
such lapse shall occur and surrender value be payable at the expiration 
of one year after the termination of the war. 

Sec. 412. That at the expiration of one year after the termination of 
the war there shall be an account stated between each insurer and the 
United States, in which the following items shall be credited to the insurer: 

(i) The total amount of the monthly differences reported under this 
Article ; 

(2) The difference between the total interest received by the insurer 
upon the bonds held by it as security and the total interest upon such 
monthly differences at the rate of five per centum per annum; and in 
which there shall be credited to the United States the amount of the 
cash surrender value of each policy lapsed or forfeited as provided in sec- 
tion four hundred and eleven, but not in any case a greater amount on 
any policy than the total of the unpaid premiums with interest thereon 
at the rate provided for in the policy for policy loans. 

Sec. 413. That the balance in favor of the insurer shall, in each case, 
be paid to it by the United States upon the surrender by the insurer of 
the bonds delivered to it from time to time by the Secretary of the Treas- 
ury under the provisions of this Article. 

Sec. 414. That this Article shall not apply to any policy which is 
void or which may at the option of the insurer be voidable, if the in- 
sured is in military service, either in this country or abroad, nor to any 
policy which as a result of being in military service, either in this country 
or abroad, provides for the payment of any sum less than the face thereof 
or for the payment of an additional amount as premium. 

Sec. 415. That this Article shall apply only to insurance companies 
or associations which are required by the law under which they are organ- 
ized or doing business to maintain a reserve, or, which if not so required, 
have made or shall make provision for the collection from all those in- 
sured in such insurer of a premium to cover the special war risk of those 
insured persons who are in military service. 

Article V 
taxes and public lands 

Sec. 500. (i) That the provisions of this section shall apply when 
any taxes or assessments, whether general or special, falling due during 
the period of military service in respect of real property owned and occu- 
pied for dwelling or business purposes by a person in military service or 
his dependents at the commencement of his period of military service and 
still so occupied by his dependents or employees are not paid. 

27 



(2) When any person in military service, or any person in his behalf, 
shall file with the collector of taxes, or other officer whose duty it is to 
enforce the collection of taxes or assessments, an affidavit showing (a) 
that a tax or assessment has been assessed upon property which is the 
subject of this section, (b) that such tax or assessment is unpaid, and 
(c) that by reason of such military service the ability of such person to 
pay such tax or assessment is materially affected, no sale of such prop- 
erty shall be made to enforce the collection of such tax or assessment, or 
any proceeding or action for such purpose commenced, except upon leave 
of court granted upon an application made therefor by such collector or 
other officer. The court thereupon may stay such proceedings or such 
sale, as provided in this Act, for a period extending not more than six 
months after the termination of the war. 

(3) When by law such property may be sold or forfeited to enforce the 
collection of such tax or assessment, such person in military service shall 
have the right to redeem or commence an action to redeem such property, 
at any time not later than six months after the termination of such serv- 
ice, but in no case later than six months after the termination of the war; 
but this shall not be taken to shorten any period, now or hereafter pro- 
vided by the laws of any State or Territory for such redemption. 

(4) Whenever any tax or assessment shall not be paid when due, such 
tax or assessment due and unpaid shall bear interest until paid at the 
rate of six per centum per annum, and no other penalty or interest shall 
be incurred by reason of such nonpayment. Any lien for such unpaid 
taxes or assessment shall also include such interest, thereon. 

Sec. 501. That no right to any public lands initiated or acquired prior 
to entering military service by any person under the homestead laws, the 
desert-land laws, the mining-land laws, or any other laws of the United 
States, shall be forfeited or prejudiced by reason of his absence from such 
land, or of his failure to perform any work or make any improvements 
thereon, or to do any other act required by any such law during the 
period of such service. Nothing in this section contained shall be con- 
strued to deprive a person in military service or his heirs or devisees of 
any benefits to which he or they may be entitled under the i\.ct entitled 
"An Act for the relief of homestead entrymen or settlers who enter the 
military or naval service of the United States in time of war," approved 
July twenty-eighth, nineteen hundred and seventeen; the Act entitled 
"An Act for the protection of desert-land entrymen who enter the mili- 
tary or naval service of the United States in time of war," approved 
August seventh, nineteen hundred and seventeen; the Act entitled "An 
Act to provide further for the national security and defense by stimu- 
lating agriculture and facilitating the distribution of agricultural prod- 
ucts," approved August tenth, nineteen hundred and seventeen; the 
joint resolution "To relieve the owners of mining claims who have been 
mustered into the military or naval service of the United States as officers 
or enlisted men from performing assessment work during the term of such 
service," approved July seventeenth, nineteen hundred and seventeen; 
or any other Act or resolution of Congress: Provided, That nothing in 
this section contained shall be construed to limit or affect the right of 
a person in the military service to take any action during his term of 
service that may be authorized by law, or the regulations of the Interior 

28 



Department thereunder, for the perfection, defense, or further assertion 
of rights initiated prior to the date of entering miUtary service, and it 
shall be lawful for any person while in military service to make any affi- 
davit or submit any proof that may be required by law, or the practice 
of the General Land Office in connection with the entry, perfection, de- 
fense, or further assertion of any rights initiated prior to entering mili- 
tary service, before the officer in immediate command and holding a com- 
mission in the branch of the service in which the party is engaged, which 
affidavits shall be as binding in law and with like penalties as if taken 
before the Register of the United States Land Office. 

Article VI 

ADMINISTRATIVE REMEDIES 

Sec. 600. That where in any proceeding to enforce a civil right in 
any court it is made to appear to the satisfaction of the court that any 
interest, property, or contract has since the date of the approval of this 
Act been transferred or acquired with intent to delay the just enforce- 
ment of such right by taking advantage of this Act, the court shall enter 
such judgment or make such order as might lawfully be entered or made 
the provisions of this Act to the contrary notwithstanding. 

Sec. 601. (i) That in any proceeding under this Act a certificate 
signed by The Adjutant General of the Army as to persons in the Army 
or in any branch of the United States service while serving pursuant to 
law with the Army, signed by the Chief of the Bureau of Navigation of 
the Navy Department as to persons in the Navy or in any other branch 
of the United States service while serving pursuant to law with the Navy, 
and signed by the Major General, Commandant, United States Marine 
Corps, as to persons in the Marine Corps, or in any other branch of the 
United States service while serving pursuant to law with the Marine 
Corps, or signed by an officer designated by any of them, respectively, 
for the purpose, shall when produced be prima facie evidence as to any 
of the following facts stated in such certificate: 

That a person named has not been, or is, or has been in military serv- 
ice; the time when and the place where such person entered military 
service, his residence at that time, and the rank, branch, and unit of 
such service that he entered, the dates within which he was in military 
service, the monthly pay received by such person at the date of issuing 
the certificate, the time when and place where such person died in or 
was discharged from such service. 

It shall be the duty of the foregoing officers to furnish such certificate 
on application, and any such certificate when purporting to be signed by 
any one of such officers or by any person purporting upon the face of the 
certificate to have been so authorized shall be prima facie evidence of its 
contents and of the authority of the signer to issue the same. 

(2) Where a person in military service has been reported missing he 
shall be presumed to continue in the service until accounted for, and no 
period herein limited which begins or ends with the death of such per- 
son shall begin or end until the death of such person is in fact reported 
to or found by the Department of War or Navy, or any court or board 
thereof, or until such death is found by a court of competent jurisdiction: 

29 



Provided, That no period herein Umited which begins or ends with the 
death of such person shall be extended hereby beyond a period of six 
months after the termination of the war. 

Sec. 602. That any interlocutory order made by any court under the 
provisions of this Act may, upon the court's own motion or otherwise, be 
revoked, modified, or extended by it upon such notice to the parties 
affected as it may require. 

Sec. 603. That this Act shall remain in force until the termination of 
the war, and for six months thereafter: Provided, That wherever under 
any section or provision of this Act a proceeding, remedy, privilege, stay, 
limitation, accounting, or other transaction has been authorized or pro- 
vided, the due exercise or enjoyment of which may extend beyond the 
period herein fixed for the termination of this Act, such section or pro- 
vision shall be deemed to continue in full force and elifect so long as may 
be necessary to the exercise or enjoyment of the proceeding, remedy, 
privilege, stay, limitation, accounting, or transaction aforesaid. 

Sec. 604. That this Act may be cited as the Soldiers' and Sailors' 
Civil Relief Act. 

Approved, March 8, 1918. 



THE WAR RISK INSURANCE ACT 

(WITH AMENDMENTS PRIOR TO JULY i, 1918) 

THIS PUBLICATION CONTAINS ONLY THE PROVISIONS RELATING TO THE DIVISION 
OF MILITARY AND NAVAL INSURANCE 



AN ACT To authorize the establishment of a Bureau of War Risk Insurance in the 

Treasury Department. 

Be it enacted by the Senate and House of Representatives of the United 
States of America in Congress assembled, 

Article I 

Section i. That there is established in the Treasury Department a 
Bureau to be known as the Bureau of War Risk Insurance, the director 
of which shall receive a salary at the rate of $5,000 per annum. 

That there be in such bureau a Division of Marine and Seamen's In- 
surance and a Division of Military and Naval Insurance in charge of a 
commissioner of M^irine and Seamen's Insurance and a commissioner of 
Military and Naval Insurance, respectively, each of whom shall receive 
a salary of $4,000 per annum. 

Sec. 13. That the director, subject to the general direction of the Sec- 
retary of the Treasury, shall administer, execute, and enforce the pro- 
visions of this Act, and for that purpose have full power and authority 
to make rules and regulations not inconsistent with the provisions of this 
Act, necessary or appropriate to carry out its purposes, and shall decide 
all questions arising under the Act, except as othenvise provided in sec- 

30 



tion five. Wherever under any provision or provisions of the Act regu- 
lations are directed or authorized to be made, such regulations, unless the 
contex otherwise requires, shall or may be made by the director, subject 
to the general direction of the Secretary of the Treasury. The director 
shall adopt reasonable and proper rules to govern the procedure of the 
divisions and to regulate and provide for the nature and extent of the 
proofs and evidence and the method of taking and furnishing the same 
in order to establish the right to benefits of allowance, allotment, com- 
pensation, or insurance provided for in this Act, the forms of application 
of those claiming to be entitled to such benefits, the methods of making 
investigations and medical examinations, and the manner and form of 
adjudications and awards: Provided, however, That payment to any 
attorney or agent for such assistance as may be required in the prepara- 
tion and execution of the necessary papers shall not exceed $3 in any 
one case: And provided further , That no claim. agent or attorney shall be 
recognized in the presentation or adjudication of claims under articles 
two, three, and four, except that in the event of disagreement as to a 
claim under the contract of insurance between the bureau and any bene- 
ficiary or beneficiaries thereunder an action on the claim may be brought 
against the United States in the district court of the United States in 
and for the district in which such beneficiaries or any one of them resides, 
and that whenever judgment shall be rendered in an action brought pur- 
suant to this provision the court, as part of its judgment, shall determine 
and allow such reasonable attorney's fees, not to exceed five per centum 
of the amount recovered, to be paid by the claimant in behalf of whom 
such proceedings were instituted to his attorney, said fee to be paid out 
of the payments to be made to the beneficiary under the judgment ren- 
dered at a rate not exceeding one-tenth of each of such payments until 
paid. 

Any person who shall, directly or indirectly, solicit, contract for, charge, 
or receive, or who shall attempt to solicit, contract for, charge, or receive 
any fee or compensation, except as herein provided, shall be guilty of a 
misdemeanor, and for each and every offense shall be punishable by a fine 
of not more than $500 or by imprisonment at hard labor for not more 
than two years, or by both such fine and imprisonment. 

Sec. 14. That the bureau and its divisions shall have such deputies, 
assistants, actuaries, clerks, and other employees as may be from time 
to time provided by Congress. The bureau shall, by arrangement with 
the Secretary of War and the Secretary of the Navy, respectively, make 
use of the services of surgeons in the Army and Navy. The Secretary 
of the Treasury is authorized to establish an advisory board consisting 
of three members skilled in the practice of insurance against death or 
disability for the purpose of assisting the Division of Military and Naval 
Insurance in fixing premium rates and in the adjustment of claims for 
losses under the contracts of insurance provided for in article four and 
in adjusting claims for compensation under article three; compensation 
for the persons so appointed to be determined by the Secretary of the 
Treasury, but not to exceed $20 a day each while actually employed. 

Sec. 15. That for the purposes of this Act, the director, commission- 
ers, and deputy commissioners shall have power to issue subpoenas for 
and compel the attendance of witnesses within a radius of one hundred 

31 



miles, to require the production of books, papers, documents, and other 
evidence, to administer oaths and to examine witnesses upon any matter 
within the jurisdiction of the bureau. The director may obtain such 
information and such reports from officials and employees of the depart- 
ments of the Government of the United States and of the States as may 
be agreed upon by the heads of the respective departments. In case of 
disobedience to a subpoena, the bureau may invoke the aid of any dis- 
trict court of the United States in requiring the attendance and testimony 
of witnesses and the production of documentary evidence, and such court, 
within the jurisdiction of which the inquiry is carried on, may, in case 
of contumacy or refusal to obey a subpoena issued to any officer, agent, 
or employee of any corporation or other person, issue an order requiring 
such corporation or other person to appear before the bureau, or to give 
evidence touching the matter in question; and any failure to obey such 
order of the court may be punished by such court as a contempt thereof. 
Any person so required to attend as a witness shall be allowed and paid 
the same fees and mileage as are paid witnesses in the district courts of 
the United States. 

Sec. i6. That the director shall submit annually to the Secretary of 
the Treasury estimates of the appropriations necessary for the work of 
the bureau. 

Sec. 17. That for the purpose of carrying out the provisions of this 
Act there is hereby appropriated, out of any moneys in the Treasury not 
otherwise appropriated, the sum of $100,000, for the payment of all ex- 
penses incident to the work authorized under this Act, including salaries 
of the director and commissioners and of such deputies, assistants, ac- 
countants, experts, clerks, and other employees in the District of Colum- 
bia or elsewhere, as the Secretary of the Treasury may deem necessary, 
traveling expenses, rent and equipment of offices, typewriters and ex- 
change of same, purchase of law books and books of reference, printing 
and binding to be done at the Government Printing Office, and all other 
necessary expenses. With the exception of the director, the commission- 
ers, and such special experts as the Secretary of the Treasury may from 
time to time find necessary for the conduct of the work of the bureau, 
all employees of the bureau shall be appointed from lists of eligibles to 
be supplied by the Civil Service Commission and in accordance with the 
civil-service law. Such fees, allowances, and salaries shall be the same 
as are paid for similar services in other departments of the Government. 

Sec. 18. That there is hereby appropriated from any money in the 
Treasury not otherwise appropriated, the sum of $141,000,000, to be 
known as the military and naval family allowance appropriation, for 
the payment of the family allowances provided by Article II. Payments 
out of this appropriation shall be made upon and in accordance with 
awards by the Commissioner of the Division of Military and Naval 
Insurance. 

Sec. 19. That there is hereby appropriated, from any money in the 
Treasury not otherwise appropriated, the sum of $12,150,000, to be known 
as the military and naval compensation appropriation, for the payment 
of the compensation, funeral expenses, services, and supplies provided by 
Article III. Payments out of this appropriation shall be made upon 
and in accordance with awards by the director. 

32 



Sec. 20. That there is hereby appropriated, from any money in the 
Treasury not otherwise appropriated, the sum of $23,000,000, to be known 
as the military and naval insurance appropriation. All premiums that 
may be collected for the insurance provided by the provisions of Article 
IV shall be deposited and covered into the Treasury to the credit of this 
appropriation. 

Such sum, including all premium payments, is hereby made available 
for the payment of the liabilities of the United States incurred under 
contracts of insurance made under the provisions of Article IV. Pay- 
ments from this appropriation shall be made upon and in accordance 
with awards by the director. 

Sec. 21. That there shall be set aside as a separate fund in the Treas- 
ury, to be known as the military and naval pay deposit fund, all sums 
held out of pay as provided by section two hundred and three of this 
Act. Such fund, including all additions, is hereby made available for 
the payment of the sums so held and deposited, with interest, as pro- 
vided in section two hundred and three, and the amount necessary to 
pay interest is hereby appropriated. 

Sec. 22. That for the purpose of this amendatory Act the marriage 
of the claimant to the person on account of whom the claim is made shall 
be shown — 

(i) By a duly verified copy of a public or church record; or 

(2) By the affidavit of the clergyman or magistrate who officiated; or 

(3) By the testimony of tw^o or more eyewitnesses to the ceremony; or 

(4) By a duly verified copy of the church record of baptism of the 
children; or 

(5) By the testimony of two or more witnesses who know that the 
parties lived together as husband and wife, and were recognized as such, 
and who shall state how long, within their knowledge, such relation con- 
tinued: Provided, That marriages, except such as are mentioned in sec- 
tion forty-seven hundred and five of the Revised Statutes, shall be proven 
in compensation or insurance cases to be legal marriages according to the 
law of the place where the parties resided at the time of marriage or at 
the time when the right to compensation or insurance accrued ; and the 
open and notorious illicit cohabitation of a widow who is a claimant shall 
operate to terminate her right to compensation or insurance from the 
commencement of such cohabitation: Provided further, That for the pur- 
pose of the administration of Article II of this Act marriage shall be con- 
clusively presumed, in the absence of proof, that there is a legal spouse 
living, if the man and woman have lived together in the openly acknowl- 
edged relation of husband and wife during the two years immediately 
preceding the date of the declaration of war, or the date of enlistment or 
of entrance into or employment in active service in the military or naval 
forces of the United States if subsequent to such declaration. 

In Articles II, III, and IV of this Act unless the context otherwise 
requires — 

(i) The term "child" includes — 

(a) A legitimate child. 

(b) A child legally adopted more than six months before the enact- 
ment of this amendatory Act or before enlistment or entrance into or 

33 



employment in active service in the military or naval forces of the United 
States, whichever of these dates is the later. 

(c) A stepchild, if a member of the man's household. 

(d) An illegitimate child, but, as to the father, only, if acknowledged 
by instrument in writing signed by him, or if he has been judicially 
ordered or decreed to contribute to such child's support, and if such child, 
if born after December thirty-first, nineteen hundred and seventeen, 
shall have been born in the United States, or in its insular possessions. 

(2) The term "grandchild" means a child as above defined of a child 
as above defined. 

(3) Except as used in section four hundred and one and in section 
four hundred and two the terms "child" and "grandchild" are limited 
to unmarried persons either (a) under eighteen years of age, or (b) of 
any age, if insane, idiotic, or otherwise permanently helpless. 

(4) The term "parent" includes a father, mother, grandfather, grand- 
mother, father through adoption, mother through adoption, stepfather, 
and stepmother, either of the person in the service or of the spouse. 

(5) The terms "brother" and "sister" include brothers and sisters of 
the half blood as well as those of the whole blood, stepbrothers and step- 
sisters, and brothers and sisters through adoption. 

(6) The term "commissioned officer" includes a warrant officer, but 
includes only an officer in active service in the military or naval forces of 
the United States. 

(7) The terms "man" and "enlisted man" mean a person, whether 
male or female, and whether enlisted, enrolled, or drafted into active 
service in the military or naval forces of the United States, and include 
noncommissioned and petty officers, and members of training camps 
authorized by law. 

(8) The term "enlistment" includes voluntary enlistment, draft, and 
enrollment in active service in the military or naxal forces of the United 
States. 

(9) The term "commissioner" means the Commissioner of Military 
and Naval Insurance. 

(10) The term "injury" includes disease. 

(11) The term "pay" means the pay for service in the United States 
according to grade and length of service, excluding all allowances. 

(12) The term "military or naval forces" means the Army, the Navy, 
the Marine Corps, the Coast Guard, the Naval Reserves, the National 
Naval Volunteers, and any other branch of the United States service 
while serving pursuant to law with the Army or the Navy. 

Sec. 23. That when, by the terms of this amendatory Act, any pay- 
ment is to be made to a minor, other than a person in the military or 
naval forces of the United States, or to a person mentally incompetent, 
such payment shall be made to the person who is constituted guardian 
or curator by the laws of the State or residence of claimant, or is other- 
wise legally vested with responsibility or care of the claimant. 

Sec. 24. That the Bureau of War Risk Insurance, so far as practicable, 
shall upon request furnish information to and act for persons in the mili- 
tary or naval service, with respect to any contracts of insurance whether 
with the Government or otherwise, as may be "prescribed by regulations. 
Said bureau may upon request procure from and keep a record of the 

34 



amount and kind of insurance held by every commissioned and appointive 
officer and of every enlisted man in the mihtary or naval service of the 
United States, including the name and principal place of business of the 
company, society, or organization in which such insurance is held, the 
date of the policy, amount of premium, name and relationship of the 
beneficiary, and such other data as may be deemed of service in protecting 
the interests of the insured and beneficiaries. 

Sec. 25. That Avhoever in any claim for family allowance, compensa- 
tion, or insurance, or in any document required by this Act or by regula- 
tion made under this Act, makes any statement of a material fact know- 
ing it to be false, shall be guilty of perjury and shall be punished by a 
fine of not more than $5,000, or by imprisonment for not more than two 
years, or both. 

Sec. 26, That if any person entitled to payment of family allowance 
or compensation under this Act, whose right to such payment under this 
Act ceases upon the happening of any contingency, thereafter fraudulently 
accepts any such payment, he shall be punished by a fine of not more 
than $2,000, or by imprisonment for not more than one year, or both. 

Sec. 27. That whoever shall obtain or receive any money, check, 
allotment, family allowance, compensation, or insurance under Articles 
II, III, or IV of this Act, without being entitled thereto, with intent to 
defraud the United States or any person in the military or naval forces 
of the United States, shall be punished by a fine of not more than $2,000, 
or by imprisonment for not more than one year, or both. 

Sec. 28. That the allotments and family allowances, compensation, 
and insurance payable under Articles II, III, and IV, respectively, shall 
not be assignable; shall not be subject to the claims of creditors of any 
person to whom an award is made under Articles II, III, or IV; and 
shall be exempt from all taxation: Provided, That such allotments and 
family allowances, compensation, and insurance shall be subject to any 
claims which the United States may have, under Articles II, III, and 
IV, against the person on whose account the allotments and family 
allowances, compensation, or insurance is payable. 

Sec. 29. That the discharge or dismissal of any person from the mili- 
tary or naval forces on the ground that he is an enemy alien, conscientious 
objector, or a deserter, or as guilty of mutiny, treason, spying, or any 
ofTense involving moral turpitude, or willful and persistent misconduct 
shall terminate any insurance granted on the life of such person under 
the provisions of Article IV, and shall bar all rights to any compensation 
under Article III or any insurance under Article IV. 

Sec. 30. That this Act may be cited as the war-risk insurance Act. 

Article II 
allotments and family allowances 

Sec. 200. That the provisions of this article shall apply to all enlisted 
men in the military or naval forces of the United States, except the 
Philippine Scouts, the insular force of the Navy, and the Samoan native 
guard and band of the Navy. 

Sec. 201. That allotment of pay shall, subject to the conditions, 
limitations, and exceptions hereinafter specified, be compulsory as to 

35 



wife, a former wife divorced who has not remarried and to whom aUmony 
has been decreed, and a child, and voluntary as to any other person; but 
on the written consent of the wife or former wife divorced, supported by 
evidence satisfactory to the bureau of her ability to support herself and 
the children in her custody, the allotment for her and for such children 
may be waived; and on the enlisted man's application or otherw^ise for 
good cause shown, exemption from the allotment may be granted upon 
such conditions as may be prescribed by regulations. 

The monthly compulsory allotment shall be $15. For a wife living 
separate and apart from her husband under court order or written agree- 
ment, or for a former wife divorced, the monthly compulsory allotment 
shall not exceed the amount specified in the court order, decree, or written 
agreement to be paid to her, and for an illegitimate child, to whose sup- 
port the father has been judicially ordered or decreed to contribute, it 
shall not exceed the amount fixed in the order or decree. 

If there is a compulsory allotment for a wife or child, then a former 
wife divorced who has not remarried and to whom alimony has been de- 
creed, shall not be entitled to a compulsory allotment, but shall be en- 
titled to a family allowance as hereinafter provided.* 

Sec. 202. That the enlisted man may allot any proportion or propor- 
tions or any fixed amount or amounts of his monthly pay or of the pro- 
portion thereof remaining after the compulsory allotment, for such pur- 
poses and for the benefit of such person or persons as he may direct, sub- 
ject, however, to such conditions and limitations as may be prescribed 
under regulations to be made by the Secretary of War and the Secretary 
of the Navy, respectively. 

Sec. 203. That in case one-half of an enlisted man's monthly pay is 
not allotted, regulations to be made by the Secretary of War and the 
Secretary of the Navy, respectively, may require, under circumstances 
and conditions as may be prescribed in such regulations, that any pro- 
portion of such one-half pay as is not allotted shall be deposited to his 
credit, to be held during such period of his service as may be prescribed. 
Such deposit shall bear interest at the same rate as United States bonds 
bear for the same period, and, when payable, shall be paid principal and 
interest to the enlisted man, if living, otherwise to any beneficiary or 
beneficiaries he may have designated, or if there be no such beneficiary, 
then to the person or persons who, under the laws of the State of his 
residence, would be entitled to his personal property in case of intestacy. 

Sec. 204. That a family allowance of not exceeding $50 per month 
shall be granted and paid by the United States upon written application 
to the bureau by such enlisted man or by or on behalf of any prospective 
beneficiary, in accordance with and subject to the conditions, limitations, 
and exceptions hereinafter specified. 

The family allowance shall be paid from the time of enlistment to death 
in or one month after discharge from the service, but not for more than 
one month after the termination of the present war emergency. No 
family allowance shall be made for any period preceding November first, 
nineteen hundred and seventeen. The payment shall be subject to such 
regulations as may be prescribed relative to cases of desertion and im- 
prisonment and of missing men. 

* This section as amended takes effect on the ist day of July, 1918. 

36 



Class A. In the case of a man to his wife (including a former wife 
divorced) and to his child or children — 

(a) If there is a wife but no child, $15; 

(b) If there is a wife and one child, $25; 

(c) If there is a wife and two children, $32.50, with $5 per month 
additional for each additional child ; 

(d) If there is no wife, but one child, $5; 

(e) If there is no wife, but two children, $12.50; 

(f) If there is no wife, but three children, $20; 

(g) If there is no wife, but four children, $30, with $5 per month 
additional for each additional child; 

(h) If there is a former wife divorced who has not remarried and to 
whom alimony has been decreed, $15. 

Class B. In the case of a man or woman to a grandchild, a parent, 
brother, or sister — 

(a) If there is one parent, $10; 

(b) If there are two parents, $20; 

(c) If there is a grandchild, brother, sister, or additional parent, $5 
for each. 

In the case of a woman, the family allowances for a husband and chil- 
dren shall be in the same amounts, respectively, as are payable, in the 
case of a man, to a wife and children, provided she makes a voluntary 
allotment of $15 as a basis therefor, and provided, further, that depend- 
ency exists as required in section two hundred and six.* 

Sec. 205. That family allowances for members of Class A shall be 
paid only if and while a compulsory allotment is made to a member or 
members of such class. The monthly family allowance to a former wife 
divorced shall be payable only out of the difference, if any, between the 
monthly family allowance to the other members of Class A and the sum 
of $50, and only then if alimony shall have been decreed to her. For a 
wife living separate and apart under court order or written agreement or 
to a former wife divorced the monthly allowance, together with the allot- 
ment, if any, shall not exceed the amount specified in the court order, 
decree, or written agreement to be paid to her. For an illegitimate child, 
to whose support the father has been judicially ordered or decreed to 
contribute, it shall not exceed the amount fixed in the order or decree. 

Sec. 206. That family allowances to members of class B shall be 
paid only if and while the members are dependent in whole or in part 
on the enlisted man, and then only if and while the enlisted man makes 
a monthly allotment of his pay for such members in the following 
amounts: 

(a) If an enlisted man is not making a compulsory allotment for class 
A the allotment for class B required as a condition to the family allow- 
ance shall be $15; 

(b) If an enlisted man is making a compulsory allotment for class A 
the ^idditional allotment for class B required as a condition to the family 
allowance shall be $5, or if a woman is making an allotment of $15 for 
a dependent husband or child the additional allotment for the other 
members of class B required as a condition to the familv allowance shall 
be $5.* 

* This section as amended takes effect on the ist of July, 1918, 

37 



Sec. 207. That the amount of the family allowance to members of 
class B shall be subject to each of the following limitations: 

(a) If an allowance is paid to one or more beneficiaries of Class A, the 
total allowance to be paid to the beneficiaries of Class B shall not exceed 
the difference between the allowance paid to the beneficiaries of Class A 
and the sum of $50. 

(b) The total monthly allowance to beneficiaries of Class B added to 
the enlisted man's monthly allotment to them shall not exceed the aver- 
age sum habitually contributed by him to their support monthly during 
the period of dependency but not exceeding a year immediately preced- 
ing his enlistment or the enactment of this amendatory Act. 

Sec. 208. That as between the members of Class A and as between 
the members of Class B, the amount of the allotment and family allow- 
ance shall be apportioned as may be prescribed by regulations. 

Sec. 209. The War and Navy Departments, respectively, shall pay 
over to the Treasury Department monthly the entire amount of such 
allotments for distribution to the beneficiaries, and the allotments and 
family allowances shall be paid by the bureau to or for the beneficiaries. 

Sec. 210. That upon receipt of any application for family allowance, 
the commissioner shall make all proper investigations and shall make an 
award, on the basis of which award the amount of the allotments to be 
made by the man shall be certified to the War Department or Navy 
Department, as may be proper. Whenever the commissioner shall have 
reason to believe that an allowance has been improperly made or that 
the conditions have changed, he shall investigate or reinvestigate and 
may modify the award. The amount of each monthly allotment and 
allowance shall be determined according to the family conditions exist- 
ing on the first day of the month.* 

Article III 

COMPENSATION FOR DEATH OR DISABILITY 

Sec. 300. That for death or disability resulting from personal injury 
suffered or disease contracted in the line of duty, by any commissioned 
officer or enlisted man or by any member of the Army Nurse Corps 
(female) or of the Navy Nurse Corps (female) when employed in the 
active service under the War Department or Navy Department, the 
United States shall pay compensation as hereinafter provided; but no 
compensation shall be paid if the injury or disease has been caused by 
his own willful misconduct: Provided, That for the purposes of this sec- 
tion said officer, enlisted man, or other member shall be held and taken 
to have been in sound condition when examined, accepted, and enrolled 
for service: Provided further, That this section, as amended, shall be 
deemed to become effective as of October sixth, nineteen hundred and 
seventeen. 

Sec. 301. That if death results from injury — 

If the deceased leaves a widow or child, or if he leaves a mother or 
father either or both dependent upon him for support, the monthly com- 
pensation shall be the following amounts: 

(a) If there is a widow but no child, $25; 

* This section as amended takes effect on the ist of July, 1918. 

38 



(b) If there is a widow and one child, $35; 

(c) If there is a widow and two children, $42.50, with $5 for each addi- 
tional child up to two; 

(d) If there is no widow, but one child, $20; 

(e) If there is no widow, but two children, $30; 

(f) If there is no widow, but three children, $40, with $5 for each 
additional child up to two; 

(g) If there is a dependent mother (or dependent father), $20, or both, 
$30. The amount payable under this subdivision shall not exceed the 
difference between the total amount payable to the widow and children 
and the sum of $75. This compensation shall be payable for the death 
of but one child, and no compensation for the death of a child shall be 
payable if the dependent mother is in receipt of compensation under the 
provisions of this article for the death of her husband. Such compensa- 
tion shall be payable whether the dependency of the father or mother or 
both arises before or after the death of the person, but no compensation 
shall be payable if the dependency arises more than five years after the 
death of the person. 

If the death occurs before discharge or resignation from service, the 
United States shall pay for burial expenses and the return of the body 
to his home a sum not to exceed $100, as may be fixed by regulations. 

The payment of compensation to a widow shall continue until her 
death or remarriage. 

The payment of compensation to or for a child shall continue until 
such child reaches the age of eighteen years or marries, or if such child 
be incapable, because of insanity, idiocy, or being otherwise permanently 
helpless, then during such incapacity. 

Whenever the compensation payable to or for the benefit of any per- 
son under the provisions of this section is terminated by the happening 
of the contingency upon which it is limited, the compensation thereafter 
for the remaining beneficiary or beneficiaries, if any, shall be the amount 
which would have been payable to them if they had been the sole original 
beneficiaries. 

As between the widow and the children not in her custody, and as 
between children, the amount of the compensation shall be apportioned 
as may be prescribed by regulation. 

The term "widow" as used in this section shall not include one who 
shall have married the deceased later than ten years after the time of 
injury, and shall include a widower, whenever his condition is such that, 
if the deceased person were living, he would have been dependent upon 
her for support.* 

Sec. 302. That if disability results from the injury — 

(i) If and while the disability is total, the monthly compensation 
shall be the following amounts: 

(a) If the disabled person has neither wife nor child living, $30; 

(b) If he has a wife but no child living, $45; 

* Where section 301 is amended by striking out the provisions that a mother is en- 
titled to compensation only when she is widowed and substitute provisions are included 
to the effect that compensation is payable to a dependent mother or dependent father, 
such substitute provisions shall be deemed to be in effect as of October 6, 1917. (Ex- 
tract from section 15 of Act of June 25, 1918.) 

39 



(c) If he has a wife and one child Hving, $55; 

(d) If he has a wife and two children living, $65; 

(e) If he has a wife and three or more children living, $75; 

(f) If he has no wife but one child living, $40, with $10 for each addi- 
tional child up to two; 

(g) If he has a mother or father, either or both dependent on him for 
support, then in addition to the above amounts, $10 for each; 

(h) If he is totally disabled and in addition so helpless as to be in 
constant need of a nurse or attendant, such additional sum shall be 
paid, but not exceeding $20 per month, as the director may deem reason- 
able: Provided, hoioever, That for the loss of both feet or both hands or 
both eyes, or for becoming totally blind or becoming helpless and per- 
manently bedridden from causes occurring in the line of duty in the 
service of the United States, the rate of compensation shall be $100 per 
month: Provided further, That where the rate of compensation is $100 
per month, no allowance shall be made for a nurse or attendant. 

(2) If and while the disability is partial, the monthly compensation 
shall be a percentage of the compensation that would be payable for his 
total disability, equal to the degree of the reduction in earning capacity 
resulting from the disability, but no compensation shall be payable for 
a reduction in earning capacity rated at less than ten per centum. 

A schedule of ratings of reductions in earning capacity from specific 
injuries or combinations of injuries of a permanent nature shall be 
adopted and applied by the bureau. Ratings may be as high as one 
hundred per centum. The ratings shall be based, as far as practicable, 
upon the average impairments of earning capacity resulting from such 
injuries in civil occupations and not upon the impairment in earning 
capacity in each individual case, so that there s,hall be no reduction in 
the rate of compensation for individual success in overcoming the handi- 
cap of a permanent injury. The bureau shall from time to time readjust 
this schedule of ratings in accordance with actual experience. 

(3) In addition to the compensation above provided, the injured per- 
son shall be furnished by the United States such reasonable governmental 
medical, surgical, and hospital services and with such supplies, including 
artificial limbs, trusses, and similar appliances, as the director may deter- 
mine to be useful and reasonably necessary: Provided, That nothing in 
this Act shall be construed to affect the necessary military control over 
any member of the military or naval establishments before he shall have 
been discharged from the militar>^ or naval service. 

(4) The amount of each monthly payment shall be determined ac- 
cording to the family conditions existing on the first day of the month. 

(5) Where the disabled person and his wife are not living together, or 
where the children are not in the custody of the disabled person, the 
amount of the compensation shall be apportioned as may be prescribed 
by regulations. 

(6) The term "wife" as used in this section shall include "husband" 
if the husband is dependent upon the wife for support. 

Sec. 303. That every person applying for or in receipt of compensa- 
tion for disability under the provisions of this article shall, as frequently 
and at such times and places as may be reasonably required, submit him- 
self to examination by a medical officer of the United States or by a duly 

40 



qualified physician designated or approved by the director. He may have 
a duly qualified physician designated and paid by him present to partici- 
pate in such examination. For all examinations he shall, in the discre- 
tion of the director, be paid his reasonable traveling and other expenses 
and also loss of wages incurred in order to submit to such examination. 
If he refuses to submit himself for, or in any way obstructs, any exami- 
nation, his right to claim compensation under this article shall be sus- 
pended until such refusal or obstruction ceases. No compensation shall 
be payable while such refusal or obstruction continues, and no compensa- 
tion shall be payable for the intervening period. 

Every person in receipt of compensation for disability shall submit to 
any reasonable medical or surgical treatment furnished by the bureau 
whenever requested by the bureau; and the consequences of unreason- 
able refusal to submit to any such treatment shall not be deemed to 
result from the injury compensated for. 

Sec. 304. [This section was repealed by act of June 27, 1918 — voca- 
tional rehabilitation act — Public — No. 178 — 65th Cong.] 

Sec. 305. That upon its own motion or upon application the bureau 
may at any time review an award, and, in accordance with the facts 
found upon such review, may end, diminish, or increase the compensa- 
tion previously awarded, or, if compensation has been refused or dis- 
continued, may award compensation. 

Sec. 306. That no compensation shall be payable for death or dis- 
ability which does not occur prior to or within one year after discharge 
or resignation from the service, except that where, after a medical exami- 
nation made pursuant to regulations, at the time of discharge or resig- 
nation from the service, or within such reasonable time thereafter, not 
exceeding one year, as may be allowed by regulations, a certificate has 
been obtained from the director to the effect that the injured person at 
the time of his discharge or resignation was suffering from injury likely 
to result in death or disability, compensation shall be payable for death 
or disability, whenever occurring, proximately resulting from such injury. 

Sec. 307. That compensation shall not be payable for death in the 
course of the service until the death be officially recorded in the depart- 
ment under which he may be serving. No compensation shall be payable 
for a period during which the man has been reported "missing" and a 
family allowance has been paid for him under the provisions of Article II. 

Sec. 308. That no compensation shall be payable for death inflicted 
as a lawful punishment for a crime or military offense except when in- 
flicted by the enemy. A dismissal or dishonorable or bad conduct dis- 
charge from the service shall bar and terminate all right to any compensa- 
tion under the provisions of this article. 

Sec. 309. That no compensation shall be payable unless a claim there- 
for be filed, in case of disability, within five years after discharge or 
resignation from the service, or, in case of death during the service, 
within five years after such death is officially recorded in the department 
under which he may be serving: Provided, hoivever, That where compen- 
sation is payable for death or disability occurring after discharge or resig- 
nation from the service, claim must be made within five years after such 
death or the beginning of such disability. 

The time herein provided may be extended by the director not to 

41 



exceed one year for good cause shown. If at the time that any right 
accrues to any person under the provisions of this article, such person is 
a minor, or is of unsound mind or physically unable to make a claim, the 
time herein provided shall not begin to run until such disability ceases. 

Sec. 310. That no compensation shall be payable for any period 
more than two years prior to the date of claim therefor, nor shall in- 
creased compensation be awarded to revert back more than one year 
prior to the date of claim therefor. 

Sec. 311. [This section was repealed by act of June 25, 19 18. The 
substance is now included in section 28.] 

Sec. 312. That compensation under this article shall not be paid 
while the person is in receipt of service or retirement pay. The laws 
providing for gratuities or payments in the event of death in the service 
and existing pension laws shall not be applicable after the enactment of 
this amendment to any person in the active military or naval service on 
the sixth day of October, nineteen hundred and seventeen, or who there- 
after entered the active military or naval service, or to their widows, chil- 
dren, or their dependents, except in so far as rights under any such law 
have heretofore accrued. 

Compensation because of disability or death of members of the Army 
Nurse Corps (female) or of the Navy Nurse Corps (female) shall be in 
lieu of any compensation of such disability or death under the Act en- 
titled " An Act to provide compensation for employees of the United 
States suffering injuries while in the performance of their duties, and 
for other purposes," approved September seventh, nineteen hundred and 
sixteen. 

Sec. 313. (i) That if an injury or death for which compensation is 
payable under this article is caused under circumstances creating a legal 
liability upon some person other than the United States or the enemy to 
pay damages therefor, the director, as a condition to payment of com- 
pensation by the United States, may require the beneficiary to assign to 
the United States any right of action he may have to enforce such liability 
of such other person, or if it appears to be for the best interests of the 
beneficiary the director may require him to prosecute the said action in 
his own name, subject to regulations. The director may require such 
assignment or prosecution at any time after the injury or death, and the 
failure on the part of the beneficiary to so assign or to prosecute said 
cause of action in his own name within a reasonable time, to be fixed by 
the director, shall bar any right to compensation on account of the same 
injury or death. The cause of action so assigned to the United States 
may be prosecuted or compromised by the director, and any money 
realized or collected thereon, less the reasonable expenses of such realiza- 
tion or collection, shall be placed to the credit of the military and naval 
compensation appropriation. If the amount placed to the credit of such 
appropriation in such case is in excess of the amount of the award of 
compensation, if any, such excess shall be paid to the beneficiary after 
any compensation award for the same injury or death is made. 

If a beneficiary or conditional beneficiary shall have recovered, as a 
result of a suit brought by him or on his behalf, or as a result of a settle- 
ment made by him or on his behalf, any money or other property in 
satisfaction of the liability of such other person, such money or other 

42 



property so recovered shall be credited upon any compensation payable, 
or which may become payable, to such beneficiary, or conditional bene- 
ficiary by the United States on account of the same injury or death. 

(2) If an injury or death for which compensation may be payable 
under this article is caused under circumstances creating a legal liability 
upon some person, other than the United States or the enemy, to pay 
damages therefor, then, in order to preserve the right of action, the 
director may require the conditional beneficiary at any time after the 
injury or death, to assign such right of action to the United States, or, 
if it appears to be for the best interests of such conditional beneficiary, 
to prosecute the said cause of action in his own name, subject to regula- 
tions. The failure on the part of the beneficiary to so assign or to prose- 
cute the said cause of action in his own name within a reasonable time, 
to be fixed by the director, shall bar any right to compensation on account 
of the same injury or death. The cause of action so assigned may be 
prosecuted or compromised by the director, and any money realized or 
collected thereon, less the reasonable expenses of such realization or col- 
lection, shall be paid to such beneficiary, and be credited upon any future 
compensation which may become payable to such beneficiary by the 
United States on account of the same injury or death. 

(3) The bureau shall make all necessary regulations for carrying out 
the purposes of this section. For the purposes of computation only 
under this section the total amount of compensation due any beneficiary 
shall be deemed to be equivalent to a lump sum equal to the present value 
of all future payments of compensation computed as of the date of the 
award of compensation at four per centum, true discount, compounded 
annually. The probability of the beneficiary's death before the expira- 
tion of the period during which he is entitled to compensation shall be 
determined according to the American Experience Table of Mortality. 

A conditional beneficiary is any person who may become entitled to 
compensation under this article on or after the death of the injured person. 

Nothing in this section shall be construed to Jmpose any administrative 
duties upon the War or Navy Departments. 

Sec. 314. That from and after the passage of this Act the rate of pen- 
sion for a widow of an officer or enlisted man of the Army, Navy, or 
Marine Corps of the United States who served in the Civil War, the War 
with Spain, or the Philippine Insurrection, now on the pension roll or 
hereafter to be placed on the pension roll, and entitled to receive a less 
rate than hereinafter provided, shall be $25 per month; and nothing 
herein shall be construed to affect the additional allowance provided by 
existing pension laws on account of a helpless child or child under sixteen 
years of age: Provided, however, That this Act shall not be so construed 
as to reduce any pension under any Act, public or private: And provided, 
further, That the provisions of this section shall be administered, executed, 
and enforced by the Commissioner of Pensions. 

Article IV 

INSURANCE 

Sec. 400. That in order to give to every commissioned officer and 
enlisted man and to every member of the Army Nurse Corps (female) 

43 



and of the Navy Nurse Corps (female) when employed in active service 
under the War Department or Navy Department greater protection for 
themselves and their dependents than is provided in Article III, the 
United States, upon application to the bureau and without medical 
examination, shall grant insurance against the death or total permanent 
disability of any such person in any multiple of $500, and not less than 
$1,000 or more than $10,000, upon the payment of the premiums as 
hereinafter provided. 

Sec. 401. That such insurance must be applied for within one hundred 
and twenty days after enlistment or after entrance into or employment 
in the active service and before discharge or resignation, except that 
those persons who are in the active war service at the time of the pub- 
lication of the terms and conditions of such contract of insurance may 
apply at any time within one hundred and twenty days thereafter and 
while in such service. Any person in the active service on or after the 
sixth day of April, nineteen hundred and seventeen, who, while in such 
service and before the expiration of one hundred and twenty days from 
and after such publication, becomes or has become totally and perma- 
nently disabled, or dies, or has died, without having applied for insurance, 
shall be deemed to have applied for and to have been granted insurance, 
payable to such person during his life in monthly installments of $25 
each. If he shall die either before he shall have received any of such 
monthly installments or before he shall have received two hundred and 
forty of such monthly installments, then $25 per month shall be paid to 
his widow from the time of his death and during her widowhood, or if 
there is no widow surviving him, then to his child or children, or if there 
is no child surviving him, then to his mother, or if there is no mother 
surviving him, then to his father, if and while they survive him: Pro- 
vided, however, That not more than two hundred and forty of such monthly 
installments, including those received by such person during his total and 
permanent disability, shall be so paid. The amount of the monthly in- 
stallments shall be apportioned between children as may be provided by 
regulations.* 

Sec. 402. That the director, subject to the general direction of the 
Secretary of the Treasury, shall promptly determine upon and publish 
the full and exact terms and conditions of such contract of insurance. 
The insurance shall be payable only to a spouse, child, grandchild, parent, 
brother, or sister, and also during total and permanent disability to the 
injured person, or to any or all of them. The insurance shall be payable 
in two hundred and forty equal monthly installments. Provisions for 
maturity at certain ages, for continuous installments during the life of 
the insured or beneficiaries, or both, for cash, loan, paid up and extended 
values, dividends from gains and savings, and such other provisions for 
the protection and advantage of and for alternative benefits to the in- 
sured and the beneficiaries as may be found to be reasonable and prac- 

* Section 401, as amended, is in effect as of October 6, 1917: Provided, That nothing 
herein shall be construed to interfere with the payment of monthly installments, author- 
ized to be made under the provisions of said section 401 as originally enacted, for the 
months up to and including June, 1918: Provided further. That all awards of automatic 
insurance under the provisions of said section 401 as originally enacted shall be revised 
as of the ist day of July, 1918, in accordance with the provisions of said section 401 
as amended. (Extract from section of 20 Act of June 25, 1918.) 

44 



ticable, may be provided for in the contract of insurance, or from time to 
time by regulations. All calculations shall be based upon the American 
Experience Table of Mortality and interest at three and one-half per 
centum per annum, except that no deduction shall be made for continuous 
installments during the life of the insured in case his total and permanent 
disability continues more than two hundred and forty months. Subject 
to regulations, the insured shall at all times have the right to change the 
beneficiary or beneficiaries of such insurance without the consent of such 
beneficiary or beneficiaries, but only within the classes herein provided. 
If no beneficiary within the permitted class be designated by the insured, 
either in his lifetime or by his last will and testament, or if the designated 
beneficiary does not survive the insured, the insurance shall be payable 
to such person or persons within the permitted class of beneficiaries as 
would under the laws of the State of the residence of the insured be en- 
titled to his personal property in case of intestacy. If no such person 
survive the insured, then there shall be paid to the estate of the insured 
an amount equal to the reserve value, if any, of the insurance at the time 
of his death, calculated on the basis of the American Experience Table of 
Mortality and three and one-half per centum interest in full of all obli- 
gations under the contract of insurance. 

Sec. 403. That the United States shall bear the expenses of administra- 
tion and the excess mortality and disability cost resulting from the hazards 
of war. The premium rates shall be the net rates based upon the American 
Experience Table of Mortality and interest at three and one-half per 
centum per annum. 

Sec. 404. That during the period of war and thereafter until converted 
the insurance shall be term insurance for successive terms of one year 
each. Not later than five years after the date of the termination of the 
war as declared by proclamation of the President of the United States, 
the term insurance shall be converted, without medical examination, into 
such form or forms of insurance as nftay be prescribed by regulations and 
as the insured may request. Regulations shall provide for the right to 
convert into ordinary life, twenty-payment life, endowment maturing at 
age sixty-two and into other usual forms of insurance and shall prescribe 
the time and method of payment of the premiums thereon, but payments 
of premiums in advance shall not be required for periods of more than 
one month each and may be deducted from the pay or deposit of the 
insured or be otherwise made at his election. 

Sec. 405. [This section was repealed by act of May 20, 191 8. The 
substance is now included in Section 13.] 



45 



LEGAL COMM.ITTEES 



ADAMS COUNTY 

* William Arch McClean. Gettysburg 

John D. Keith, Gettysburg 
Charles E. Stable, Gettysburg 
Raymond F. Topper, Gettysburg 
J. L. Williams, Gettysburg 

ALLEGHENY COUNTY 

* Edwin W. Smith, Pittsburgh 

J. C. Adams, 1412 Benedum-Trees Bldg., Pittsburgh 
Wm. E. Best, 1544 Oliver Bldg., Pittsburgh 
Thomas S. Brown, iioi Berger Bldg., Pittsburgh 

D. T. Buckley, 208 Bakewell Bldg., Pittsburgh 
G. H. Calvert, 1237 Oliver Bldg., Pittsburgh 

P. M. Cancelliere, 318 Bakewell Bldg., Pittsburgh 
Pier Dannals, 1306 Berger Bldg., Pittsburgh 
Oliver K. Eaton, 721 Frick Bldg., Pittsburgh 
A. E. Eckles, 409 Curry Bldg., Pittsburgh 
J. B. Eichenauer, 1410 Commonwealth Bldg., Pitts- 
burgh 
W. W. Ford, 1465 Frick Bldg., Pittsburgh 
Frank I. Gosser, 419 Berger Bldg., Pittsburgh 
John M. Haverty, 417 Frick Bldg., Pittsburgh 
James G. Hays, 606 Bakewell Bldg., Pittsburgh 
A. M. Imbrie, 436 Diamond St., Pittsburgh 
H. M. Irons, 320 City-County Bldg., Pittsburgh 
J. N. Jarvis, 247 Fourth Ave., Pittsburgh 
J. C. R. Johnston, 13 17 Berger Bldg., Pittsburgh 
John McCartney Kennedy, 1408 First Natl. Bank 

Bldg., Pittsburgh 
Charles P. Lang, 507 Union Arcade, Pittsburgh 
J. B. McAdoo, 1352 Frick Bldg. Annex, Pittsburgh 
P. H. McGuire, 811 Frick Bldg., Pittsburgh 
Joseph F. Mayhugh, 518 Berger Bldg., Pittsburgh 
Harold Obernauer, 602 Park Bldg., Pittsburgli 
Wm. H. Pratt, 913 Berger Bldg., Pittsburgh 
John C. Slack, 341 Fourth Ave., Pittsburgh 

E. J. Smail, 912 Berger Bldg., Pittsburgh 

James A. Wakefield, 471 Union Arcade, Pittsburgh 

ARMSTRONG COUNTY 

* R. L. Ralston, Kittanning 

S. F. Clark, Freeport 

H. A. Heilman, Kittanning 

O. S. Marshall, Rural Valley 

C. L. Wallace, Kittanning 

BEAVER 

* Agnew Hice, Beaver 

Paul H. Baldwin, Rochester 
Harry C. Calhoun, New Brighton 

D. K. Cooper, Beaver 
Roger Cope, Beaver Falls 
James H. Cunningham, Beaver 
William B. Cuthbertson, New Brighton 
Robt. W. Darragh, Beaver 

Louis E. Graham, Beaver 
Philip E. Hamilton, Beaver Falls 
D. B. Hartford, Beaver 
James L. Hogan, Beaver 
Clyde Holt, Beaver 
Hon. Richard S. Holt. Beaver 



■C-harles H. Kennedy, New Brighton 
Frank H. Laird, Beaver 
John Marshall, Beaver 
J. R. Martin, Beaver Falls 
Charles R. May, Beaver 
W. J. Mellon, Beaver 
Daniel W. McClure, Woodlawn 
John B. McClure, Beaver 
William A. McConnel, Beaver 
J. Blaine McGoun, Beaver Falls 
F. G. Moorhead, Beaver 
W. S. Morrison, Beaver 
Winfield S. Moore, Beaver 
D. A. Nelson, Beaver 
J. F. Reed, Beaver 
Frank E. Reader, Beaver 
Harry B. Richardson, Beaver 
Robert Ritchie, Ambridge 
^Charles H. Stone, Beaver 
Dan H. Stone, Beaver 
L. M. Sebring, Beaver 
Homer H. Swaney, Beaver Falls 

BEDFORD COUNTY 

* John M. Reynolds, Bedford 

: Frank E. Calvin, Bedford 
; Harry C. James, Bedford 

George Points, Bedford 
' Simon H. Sell, Bedford 



BERKS COUNTY 

* Cyrus G. Derr, 542 Court St., Reading 

H. B. Hagy, Reading 

H. J. Hayden, Reading 

Isaac Hiester, Reading 

John J. Kutz, Reading 

Thos. K. Leidy, Reading 

Hon. Harry D. Schaeffer, Reading 

T. laeger Snyder, Reading 

John B. Stevens, Reading 

Wm. Kerper Stevens, Reading 

Ira W. Stratton, Reading 

Hon. George W. Wagner, Reading / 

BLAIR COUNTY 

* J. Q.'<hicks, Altoona 

Dr. W. F. Beck. Altoona 
R. D. Gilbert, Tyrone 
Thomas H. Greevy, Altoona 
Walter S. Greevy, Altoona 
Thomas C. Hare, Altg«H|f 
Walter J. Henry, Altoona i > 
Oliver H. Hewit, Iiollid«*ysbnrg" 
W. L. Hicks, Tyrone 
J. Banks Kurtz, Altoona 
R. D. Lorenz, Roaring Springs 
George M. Meyers, Bellwood 
George G. Patterson, Hollidaysburg 
John M. Snyder, Hollidaysburg 
Samuel I. Stoner, Altoona 
W. I. Woodcock, Hollidaysburg 
B. F. Warfel, Hollidaysburg 



* Chairman. 
46 



BRADFORD COUNTY 
* Rodney A. Mercur, Towanda 

Lee Brooks, Canton 
Charles E. Bullock, Canton 
H. E. Carpenter, Troy 
J. T. Corbin, Athens 
Chas. M. Culver, Towanda 
L. W. Dorsett, Sayre 
Hon. E. M. Dunham, Sayre 
Hon. A. C. Fanning, Towanda 
David J. Fanning, Troy 
Rev. J. J. B. Feeley, Towanda 
John C. Ingham. Towanda 
R. G. C. Jones, Wyalusing 
David E. Kaufman. Towanda 
Benj. Kuykendall, Towanda 
David A. Keefe, Athens 
W. E. Lane, Towanda 
J. Roy Lilley, Towanda 
L. M. Marble, Canton 
Hon. Charles E. Mills, Sayre 
H. K. Mitchell, Troy 
Hon. W. D. Morse, Athens 
R. F. Page, Sayre 
W. T. Page, yMhens 
J. Frank Patterson, Towanda 
Stephen H. Smith, Towanda 
Hon. J. W. Stone, Canton 
Hon. E. A. Strong, Wyalusing 
William P. Wilson, Towanda 
J. Andrew Wilt, Towanda 
Frank E. Wood, Sayre 
Edwin P. Young, Towanda 

BUCKS COUNTY 

* Hon. Harman Yerkes 

104 N. Main St., Doylestown 

Webster S. Achey, Doylestown 

Lewis R. Bond, Morrisville 

Calvin S. Boyer, Doylestown 

Hon. Clarence J. Buckman, Langhorne 

E. Westley Bunting, Doylestown 

Harry E. Grim, Perkasie 

Hon. Webster Grim, Doylestown 

Howard I. James, Bristol 

Wynne James, Doylestown 

E. Westley Keeler, Doylestown 

Harold G. Kittleman, Quakertown 

J. Kirk Leatherman, Doylestown 

William H. Satterthwaite, Jr., Doylestown 

Wm. R. Stuckert, Quakertown 

John C. Swartley, Doylestown 

BUTLER COUNTY 

* Thomas H. Greer, Butler 

Calvin G. ("hristie, Butler 
John R. Henninger, Butler 
James W. Hutchison, Butler 
John H. Jackson, Butler 
Wm. H. Martin, Butler 
Frank H. Murphy, Butler 
John Murrin, Butler 
Harry Oswald, Butler 
Albert C. Troutman, Butler 
Samuel Walker, Butler 
Thomas W. Watson, Butler 



CAMBRIA COUNTY 
* Wm. A. McGuire, Johnstown 

William F. Dill, Barnesboro 
Charles S. Evans, Ebensburg 
James McGinis, Johnstown 
Harvey Rowland, Ebensburg 
Alvin Sherbine. Johnstown 
Karl F. Stremel, Johnstown 
Ruel Somerville, Patton 



CAMERON COUNTY 

* J. C. Johnson, Emporium 

Nelson L. Allen, Emporium 
Jay P. Felt, Emporium 
Fred. A. Johnson, Emporium 
J. P. McNarney, Emporium 

CARBON COUNTY 

* Hon. Laird H. Barber, Mauch Chunk 

Nathan Balliet, Lehighton 
Ben Branch, Nesquehoning 
James M. Breslin, Mauch Chunk 
Douglas Craig, Mauch Chunk 
David Davis, Summit Hill 
Philip M. Graul, Lehighton 
George E. Gray, Lehighton 
Charles A. Hauk, Lehighton 
Robert A. Heberling, Mauch Chunk 
Winfred D. Lewis, Lansford 
Jacob C. Loose, Mauch Chunk 
Frank Riordan, Summit Hill 
Ellsworth E. Scott, Summit Hill 
Leighton C. Scott, Lansford 
Ira E. Seidel, Lehighton 
Chester G. Setzer, Weissport 
Frank P. Sharkey, Mauch Chunk 
Daniel W. Sitler, Mauch Chunk 
James Smitham, Mauch Chunk 
William G. Thomas, Lansford 



CENTRE COUNTY 

* John Blanchard, Bellefonte 

Edmund Blanchard, Bellefonte 
Clement Dale, Bellefonte 
M. Ward Fleming, Philipsburg 
James C. Furst, Bellefonte 
S. D. Gettig, Bellefonte 
J. K. Johnston, Bellefonte 
Harry Keller, Bellefonte 
Hon.' Ellis L. Orvis, Bellefonte 
W. G. Runkle, Bellefonte 
N. B. Spangler, Bellefonte 
W. Harrison Walker, Bellefonte 
S. Kline Woodring, Bellefonte 
Geo. W. Zcigler, Philipsburg 
William D. Zerby, Bellefonte 



CHESTER COUNTY 

* A. M. Holding, West Chester 

Thomas W. Baldwin, West Chester 
Carl O. Benner, Ccatesville 
William E. Bushong, Phoenixville 
Hon. Wm. Butler. Jr., West Chester 
Esabelle Darlington, West Chester 
Ervin R. Dickey, Oxford 
Carl B. Diehm, West C;hester 
Robt. S. Gawthrop, West Chester 
John J. Gheen. West Chester 
H. H. Gilkyson. Phoenixville 
William G. Gordon, Coatesville 
Walter E. Greenwood, Coatesville 
Wallace S. Harlan, Coatesville 
Hon. J. Frank E. Hause, West Chester 
John Haviland, Phoenixville 
J. Carroll Hayes, West Chester 
George B. Johnson, West Chester 
J. Paul MacElree, West Chester 
S. Duffield Mitchell, West Chester 
George W. Moore, Coatesville 
Arthur Parke, West Chester 
Thomas W. Pierce, West Chester 
Samuel D. Ramsey, West Chester 
Arthur P. Reid, West Chester 
C. Wesley Talbot, West Chester 
Walter S. Talbot, West Chester 



* Chairman. 
47 



William Tregay, Coatesville 
Howard S. Troutman, West Chester 
I. N. Earle Wynn, West Chester 

CLARION COUNTY 

* Don C. Corbett, Clarion 

S. K. Clark, Clarion 
A. A. Garry, Clarion 
W. W. Hindman, Clarion 

F. J. Moffett, Clarion 
H. M. Rimer, Clarion 
John S. Shirley, Clarion 

Hon. Harry R. Wilson, Clarion 

CLEARFIELD COUNTY 

* James P. O'Laughlin, Clearfield 

Hon. Singleton Bell, Clearfield 
James A. Gleason, Du Bois 
John B. McGrath, Houtzdale 
W. Clarke Miller, Clearfield 
W. C. Pentz, Du Bois 
Hon. John W. Reed, Clearfield 
Hon. Allison O. Smith, Clearfield 
Roland D. Swoope, Ciirwensville 

CLINTON COUNTY 

* B. F. Geary, Lock Haven 

H. M. Counsil, Lock Haven 
J. J. Kintner, Lock Haven 
Joseph F. Reilley, Renovo 
A. F. Ryon, Lock Haven 
John J. Shaffer, Renovo 
T. M. Stevenson, Lock Haven 

COLUMBIA COUNTY 

* L. E. Waller, Bloomsburg 

C. W. Dickson, Berwick 
W. E. Elms, Berwick 

G. Edward Elwell, Jr., Bloomsburg 
J. L. Evans, Berwick 

E. J. Flynn, Centralia 
N. U. Funk, Bloomsburg 
Clinton Herring, Orangeville 
A. C. Jackson, Berwick 
S. B. Karns, Benton 

E. C. Kreisher, Catawissa 
C. W. Miller, Bloomsburg 

F. P. Pursel, Bloomsburg 
W. H. Rhawn, Catawissa 
W. S. Sharplees, Bloomsburg 
C. A. Small, Bloomsburg 

H. Mont Smith, Bloomsburg 
H. R. Stees. Bloomsburg 
George M. Tustin, Bloomsburg 

CRAWFORD COUNTY 

* .\lbert L. Thomas, Meadville 

Charles Benedict, Titusville 

Wesley B. Best, Meadville 

John A. Bolard, Cambridge Springs 

John Gahn, Titusville 

C. Victor Johnson, Meadville 

O. Clare Kent, Meadville 

John O. McClintock, Meadville 

John A. Northam, Meadville 

Roy S. Peters, Meadville 

Hon. F. J. Thomas, Meadville 

C. L. Webb, Meadville 

CUMBERLAND COUNTY 

* Hon. Sylvester B. Sadler, Carlisle 

Jasper .\lexander, Carlisle 
Caleb .S. Brinton, Carlisle 



John D. Faller, Mechanicsburg 
T. Ralph Jacobs, Carlisle 
George E. Lloyd, Mechanicsburg 
W. H. McCrea, Newville 
Joseph P. McKeenan, Carlisle 
J. S. Omwake, Shippensburg 
John M. Rhey, Carlisle 
F. B. Sellers, Jr., Carlisle 

DAUPHIN COUNTY 

* Charles C. Stroh, Harrisburg 

Lincoln C. Carl, Williamstown 

H. L. Lark, Millersburg 

Spencer Gilbert Nauman, Harrisburg 

John C. Nissley, Harrisburg 

Robert Rosenberg, Harrisburg 

Horace S. Segelbaum, Harrisburg 

A. C. Stamm, Harrisburg 

DELAWARE COUNTY 

* John B. Hannum, Jr., Chester 

W. C. .'Alexander, 12 South Ave., Media 
T. W. Allison, Law Bldg., Chester 
George M. Booth, Gibson Bldg., Chester 
John M. Broomall, 14 South Ave., Media 
George T. Butler, 2 South Ave., Media 
E. Wallace Chadwick, Gibson Bldg., Chester 
Harwell B. Dutton, Crozer Bldg., Chester 
Benjamin C. Fox, Fox Bldg., Chester 
W. Roger Fronefield, 2 .South Ave., Media 

E. L. Green, Gleave Hall, Media 
T. Truston Hare, St. Davids 

George B. Harvey, Gib-son Bldg.. Chester 
Wm. B. Harvey, Cambridge Bldg., Chester 
Hiram Hathaway, Jr., 25 E. 5th St., Chester 
Joseph H. Hinkson, Law Bldg., Chester 
J. Allen Hodge, Gibson Bldg., Chester 
Albert E. Holl, Gleave Hall, Media 
Henry Jones, 25 E. 5th St., Chester 
J. DeHaven Ledward, Law Bldg., Chester 
Samuel Lyons, Colonial Bldg., Chester 

A. D. MacDade, Gibson Bldg., Chester 

W. I. B. McClenachan, Jr., Law Bldg., Chester 

John E. McDonough, Colonial Bldg., Chester 

Harry J. Makiver, Gleave Hall, Media 

P. W. Miller, St. Davids 

Kingsley Montgomery, Law Bldg., Chester 

Frank G. Perrin, 10 South Ave., Media 

John A. Poulson, Cambridge Bldg., Chester 

Garrett E. Smedley, 12 South Ave., Media 

Josiah Smith, Gibson Bldg., Chester 

John J. Stetser, Gibson Bldg., Chester 

J. C. Taylor. Crozer Bldg., Chester 

Wm. Taylor, Gleave Hall, Media 

Elgin E. Weest, Law Bldg., Chester 

John DeHaven White, Gibson Bldg., Chester 

.Albert J. Williams, Del. Co. Ins. Bldg., Media 

ELK COUNTY 

* John G. Whitmore, Ridg\vay 

D. J. Driscoll, St. Marys 
J. H. Thomspon, St. Marys 
W. A. McClure, Johnsonburg 
W. W. Barbour, Ridgway 

F. W. McFarlin, Ridgway 

B. F. Ely, Ridgway 

ERIE COUNTY 

* J. R. Haughney, Masonic Temple, Erie 

J. Reed Craig, Erie Trust Co. Bldg., Erie 
M. Levant Davis, Erie 

C. C. Eaton, Ariel Bldg., Erie 

Wm. H. Forster, Care Hayes Mfg. Co., Erie 

R. C. McClenathan, Care H. F. Watson Co., Erie 

Harry L. Moore, 604 Marine Bank Bldg., Erie 



* Chairman. 



48 



FAYETTE COUNTY 

* R. W. Playford, Uniontown 

J. B. Adams, Uniontown 
A. P. Austin, Uniontown 
Charles D. Baer, Connellsville 
Joseph J. Baer, Uniontown 

D. E. Bane, Uniontown 
Charles W. Baer, Uniontown 
L. B. Brownfield, Uniontown 
Edward D. Brown, Uniontown 
Harry W. Byrne, Uniontown 
W. N. Carr, Uniontown 

VV. Russell Carr, Uniontown 
J. G. Carroll, Uniontown 
R. M. Carroll, Uniontown 
Earl T. Chamberlin, Uniontown 
L. G. Chorpenning, Uniontown 
J. S. Christy, Uniontown 
J. H. Collins, Uniontown 
J. M. Core, Uniontown 
F. P. Cottom, Uniontown 
Harry A. Cottom, Brownsville 
J. R. Cray, Uniontown 
VV. E. Crow, Uniontown 
J. Benton Crow, Uniontown 
Charles L. Davidson, Uniontown 
J. W. Dawson, Uniontown 
R. W. Dawson, Uniontown 
H. F. Detweiler, Uniontown 
John Duggan, Jr., Uniontown 
H. S. Dumbauld, Uniontown 

E. Dale Field, Uniontown 
L. H. Frasher, Uniontown 
E. D. Fulton, Uniontown 
Elias Goodstein, Uniontown 
S. R. Goldsmith, Connellsville 
.^. C. Hagan, Uniontown 

D. W, Henderson, Uniontown 

D. M. Hertzog, Uniontown 

E. C. Higbee, Connellsville 
W. R. Hiller, Brownsville 
Monroe Hopwood. Uniontown 
R. F Hopwood, Uniontown 
T. H. Hudson, Uniontown 
Fred C. Irvin, Uniontown 
George B. Jeffries, Uniontown 
W. J. Johnson, Uniontown 

C. L. John, Uniontown 

A. E. Jones, Uniontown 
Charles F. Kefover, Uniontown 
L. Ray Lackey, Uniontown 

T. S. Lackey, Uniontown 
Max J. Laponsky, Brownsville 
Frank M. Lardin, LTniontown 
H. D. Leonard, Uniontown 
Charles L. Lewellyn, Uniontown 

D. VV. McDonald, Uniontown 
VV'. C. McKean, Uniontown 
H. K. MacQuarrie, Uniontown 
Ross S. Matthews, Connellsville 
George H. May, Connellsville 
VVm. A. Miller, Uniontown 
Thomas L. Morgan, Uniontown 
S. John Morrow, Uniontown 

F. C. Newcomer, Uniontown 
VV. VV. Parshall, Uniontown 
George Patterson, Uniontown 
Linn Y. Phillips, Uniontown 
J. Kirk Renner, Connellsville 
H. L. Robinson, Uniontown 
F. P. Rush, Uniontown 

C. VV. Rush, Uniontown 
VV'm. J. Sangston, Uniontown 
Vy. P. Schenck, Connellsville 
S. Ray Shelby, Uniontown 
Lee Smith, Uniontown 
Jesse K. Spurgeon, Uniontown 

B. F. Sterling, Uniontown 
Daniel Sturgeon, LTniontown 
VV. J. Sturgis, Uniontown 

J. Epsey Sherrard, Uniontown 
Charles A. Tuit, Uniontown 



R. E. Umbel, Uniontown 

A. D. Williams, Uniontown 
F. E. Youngkin, Connellsville 

FOREST COUNTY 

* A. C. Brown, Tionesta 

E. W. Bowman, Tionesta 
M. A. Carringer, Tionesta 
Hon. S. D. Irwin, Tionesta 

FRANKLIN AND FULTON COUNTIES 

* O. C. Bowers, Chambersburg 

George VV. Atherton, Chambersburg 
Loren A. Culp, Chambersburg 
Watson R. Davison, Waynesboro 
Irvin C. Elder, Chambersburg 

D. E. Long, Chambersburg 

J. R. Ruthrauff, Chambersburg 
Walter K. Sharpe, Chambersburg 
Henry H. Spangler, Mercersburg 
J. A. Strite, Chambersburg 

GREENE COUNTY 
* VV. J. Kyle, VV^aynesburg 

F. VV. Downey, Waynesburg 

B. N. Freeland, Waynesburg 
James J. Purman, Waynesburg 
Thomas H. Shannon, Waynesburg 

HUNTINGDON COUNTY 

* John D. Dorris, Huntingdon 

Chester D. Fetterhoof, Huntingdon 
VV'm. M. Henderson, Huntingdon 
Samuel I. Spyker, Huntingdon 
H. H. Waite, Huntingdon 
James S. Woods. Huntingdon 

INDIANA COUNTY 

* J. N. Banks, Indiana 

Wm. Banks, Indiana 
David Blair, Indiana 
VV. C. Chapman, Indiana 

E. E. Creps, Indiana 
Samuel Cunningham, Indiana 
Harry W. Earhart, Indiana 
Geo. J. Feit, Indiana 

S. J. Fisher, Indiana 
John L. Getty, Indiana 
John H. Hill, Indiana 
.lames L. Jack, Indiana 
.S. M. Jack, Indiana 
VVm. N. Liggett, Indiana 
James W. Mack, Indiana 
Joseph C. Macro, Indiana 
L. E. Miller, Indiana 
Elder Peelor, Indiana 
John H. Pierce, Indiana 
John A. Scott, Indiana 
E. Walker Smith, Indiana 
Ernest Stewart, Indiana 
Thomas Sutton, Indiana 
D. B. Taylor, Indiana 
John S. Taylor, Indiana 
S. J. Telford, Indiana 
D. R. Tomb, Indiana 
M. C. VV'atson, Indiana 
VV'. H. VV'ood, Indiana 

JEFFERSON COUNTY 

* Hon. Charles Corbet, Brookville 

M. M. Davis, Reynoldsville 
W. T. Darr, Brookville 



* Chairman. 
49 



C. Z. Gordon, Brookville 
Jacob L. Fisher, Punxsutawney 
Lex N. Mitchell, Punxsutawney 
Smith M. McCreight, Reynolclsville 
Henry I. Wilson, Big Run 



JUNIATA COUNTY 
* F. M. M. Pennell. Mifflintown 

Andrew Banks, Mifflintown 

B. F. Burchfield, Mifflintown 
Charles B. Crawford, Mifflintown 
Will L. Hoopes, Mifflintown 
Hon. Jeremiah Keller, Mifflintown 
J. Howard Neely, Mifflintown 
John J. Patterson, Jr., Mifflintown 
U'ilberforce Schweyer, Mifflintown 

LACKAWANNA COUNTY 
* Henry A. Knapp, 600 Connell Bldg., Scranton 

R. W. Archbald, Scranton 

C. A. Battenberg, Scranton 

S. Reynolds Bedford, Scranton 
Walter S. Bevan, Scranton 
Joseph Brennan, Carbondale 
Walter Briggs, Scranton 
Harry J. Connolly, Scranton 
Edward A. Delaney, Carbondale 
Paul M. Dzwonchyk, Mayfield 
Joseph F. Gilroy, Peckville 
William J. Hand, Scranton 
Florence J. Helriegel, Scranton 
Joseph P. Jenkins, Carbondale 
John P. Kelly, Scranton 
Frank M. Lynch, Olyphant 
Michael J. Martin, Scranton 
John Menolo, Scranton 
T. Archer Morgon, Scranton 
George Morrow, Scranton 
M. J. Murray, Jr., Dunniore 
Harry Needle, Dickson City 
J. Hayden Oliver, Scranton 
Charles P. O'Malley, Scranton 
George L. Peck, Scranton 
Edward T. Philbin, Archbald 
Daniel R. Reese, Scranton 
Ralph W. Rymer, Scranton 
Harold A. Scragg, Scranton 
William J. Torrey, Scranton 
Peter L. Walsh, Olyphant 
James E. Watkins, Taylor 
Ralph E. Weeks, Scranton 
John R. Wilson, Elmhurst 



LANCASTER COUNTY 

* John A. Coyle, no East King St., Lancaster 

W. N. Appel, Lancaster 
I. C. Arnold, Lancaster 
Benjamin C. Atlee, Lancaster 
Chas. G. Baker, Lancaster 
O. P. Bricker, Lancaster 
J. Wm. Brown, Lancaster 
Alfred C. Bruner, Columbia 
Henry M. Bruner, Columbia 
Christian E. Charles, Lancaster 
R. Conyngham, Lancaster 
William H. Keller, Lancaster 

B. F. Davis, Lancaster 

C. R. Eaby, Lancaster 
Chas. W. Eaby, Lancaster 
H. F. Eshleman, Lancaster 
Geo. Ross Eshleman, Lancaster 
S. V. Hosterman, Lancaster 
John B. Graybill, Lancaster 
Frank S. Groff, Lancaster 
John M. Groff, Lancaster 
Charles F. Hager, Lancaster 



Willis G. Kendig, Lancaster 
J. R. Kinzer, Lancaster 

B. C. Kready, Lancaster 
Wm. H. Kready, Lancaster 
H. B. Lutz. Lancaster 

D. McMullen, Lancaster 
John E. Malone, Lancaster 
Charles L. Miller, Lancaster 
M. P. Miller, Lancaster 
Sylvester Z. Moore, Lancaster 
Martin E. Muuser, Lancaster 
Bernard J. Myers, Lancaster 
John A. Nauman, Lancaster 
H. M. North, Jr., Columbia 

C. H. Obreiter, Lancaster 
M. G. Schaeffer, Lancaster 
O. S. Schaeffer, Lancaster 

D. H. Sensenig, Lancaster 
H. Edgar Sherts, Lancaster 
Jos. B. Wissler, Lancaster 
F. L. Windolph, Lancaster 
Chas. E. Workman, Lancaster 
A. H. Young, Lancaster 

S. R. Zimmerman, Lancaster 



LAWRENCE COUNTY 

* Robert K. Aiken, New Castle 

C. H. Akens. New Castle 
Richard F. Dana, New Castle 
Joseph W. Humphrey, EUwood City 
Rufus C. McKinley, New Castle 
J. Roy Mercer, New Castle 
William E. Porter, New Castle 
George T. Weingartner, New Castle 



LEBANON COUNTY 

* Grant Weidman, Lebanon 

Paul G. Adams, Lebanon 
H. Rank Bickle, Lebanon 
Roy M. Bowman, Lebanon 
Walter C. Graeff, Lebanon 
Charles H. Killinger, Lebanon 
C. R. Lantz, Lebanon 
Simon P. Light, Lebanon 
Warren G. Light, Lebanon 
E. W. Miller, Lebanon 
E. E. McCurdy, Lebanon 
Eugene D. Siegrist, Lebanon 
A. Stewart Ulrich, Lebanon 



LEHIGH COUNTY 

* Reuben J. Butz, Allentown 

George W. Aubrey, Commonwealth Bldg., Allen- 
town 
Fred B. Gernard, Ainey Bldg., Allentown 
Francis J. Gildner, Commonwealth Bldg., Allen- 
town 
Hon. C. T. Reno, Hamilton & Law Sts., Allentown 
Ralph H. Schatz, Commonwealth Bldg., Allentown 

LUZERNE COUNTY 

* W. A. Valentine, Wilkes-Barre 

Richard Bigelow, Hazleton 

N. M. Curcio, Hazleton 

W. H. Gillespie, Pittston 

Arthur James, Plymouth 

Hartley Kurylosky, Wilkes-Barre 

J. P. Lord, Nanticoke 

Michael F. McDonald, Sugar Notch 

W. L. Pace, Pittston 

C. O. Stroh, Freeland 



* Chairman. 
50 



LYCOMING COUNTY 
* Nicholas M. Edwards, Williamsport 
H. T. Ames, Williamsport 
F. P. Cummings, Williamsport 
W. Ellis Haines, Williamsport 
E. F. Hill, Hughesville 
John T. Hyatt, Jersey Shore 
J. F. Katzmaier, Williamsport 
Don M. Larrabee, Williamsport 
Hon. M. L. Mitchell, Williamsport 
R. K. Reeder, Muncy 
John G. Reading, Williamsport 
W. E. Schnee, Montgomery 
VV. H. Spencer, Williamsport 

McKEAN COUNTY 

* F. D. Gallup, Smethport 

H. G. Berkhouse, Kane 

W. E. Burdick. Bradford 

Katherine Burke, Bradford 

R. J. Campbell, Kane 

Eldred C. W. Catlin, Port Allegheny 

J. P. Devlin, Bradford 

D. H. Helmer, Port Allegheny 
Charles Hubbard, Kane 

E. J. Jones, Bradford 
Guy B. Mayo, Smethport 
John Melvin, Bradford 
Thos. Melvin, Bradford 

T. H. Morrison, Smethport 
John E. Mullin, Kane 
Francis M. Nash, Bradford 
Elizabeth O'Meara, Bradford 
C. W. Shattuck, Smethport 
Lester S. Simmons, Bradford 
S. W. Smith, Port Allegheny 
R. D. Stone, Bradford 
John F. Tuohey, Port Allegheny 
Percy Tyler. Port Allegheny 
Frank Woods, Kane 
Harry Wick, Bradford 
T. B. Wilson, Bradford 



MERCER COUNTY 

* James A. Stranahan, Mercer 

Thomas Armstrong, Farrell 
J. R. W. Baker. Mercer 
Fred T. Fruit, Sharon 
Quincv A. Gordon, Mercer 
J. M. Hittle, Greenville 
Harry L. Keck, Greenville 
W. W. Moore. Mercer 
Roy Neville, Sharon 
T. A. Sampson, Mercer 
Fred A. Service, Sharon 



MIFFLIN COUNTY 
* Rufus C. Elder, Lewistown 

E. Bruce Alexander, Belleville 

F. W. Culbertson, Lewistown 
H. J. {'ulbcrtson, Lewistown 
L. J. Durbin, Lewistown 

A. Reed Hayes. Lewistown 
W. W. Uttley, Lewistown 
John T. Wilson, Belleville 
Hon. J. M. Woods, Lewistown 

MONROE COUNTY 

* C. Raymond Bensinger, Stroudsburg 

A. R. Brittain, East Stroudsburg 
R. L. Burnett, Stroudsburg 
W. A. Erdman, Stroudsburg 
W. B. Eilenberger, Stroudsburg 
Cicero Gearhart, Stroudsburg 



F. B. Holmes, Stroudsburg 
Harvey Huffman, Stroudsburg 
Ira A. LaBar, Stroudsburg 

H. K. McNeal, Stroudsburg 
W. A. Shafer. Stroudsburg 
Chester Rhodes, Stroudsburg 
S. S. Shafer, vStroudsburg 
C. C. ShuU, Stroudsburg 
J. H. Shull. Stroudsburg 
Hon. S. E. Shull, Stroudsburg 
John B. Williams, Stroudsburg 

MONTGOMERY COUNTY 

* C. Henry Stinson, 317 Swede St., Norristown 

William S. Acuff, Ambler 
Harry S. Ambler, Jr., Abington 
Monroe H. Anders, Norristown 
Theo. Lane Bean, Norristown 
Edwin J. Bennett, Lansdale 
Frank J. Bradley, Norristown 
George K. Brecht, Norristown 
Henry M. Brownback, Norristown 
Charles H. Brunner, Norristown 
Samuel D. Conver, Lansdale 
William F. Dannehower, Norristown 
John M. Dettra, Norristown 
Eugene D. Egbert, Norristown 
A. Clarence Emery, Norristown 
Jesse R. Evans, Pottstown 
Daniel L. Evans, Pottstown 
Nelson P. Fegley, Norristown 
Gilbert R. Fox. Norristown 
Henry I. Fox. Norristown 
Muscoe M. Gibson, Norristown 
Francis M. Gumbes, Oaks 
Thomas Hallman, Norristown 
Harry I. Heistand, Royersford 
Samuel H. High, Norristown 
Emeline H. Hooven, Norristown 

G. Carroll Hoover, Norristown 
J. P. Hale Jenkins, Norristown 
G. Herbert Jenkins, Norristown 
Wallace M. Keely, Norristown 
Harold G. Knight, Ambler 
Irvin P. Knipe, Norristown 
George C. Klauder, Cynwyd 

C. Townley Larzelere, Norristown 
Norwood D. Mathias, Norristown 
Charles D. McAvoy, Norristown 
William F. Meyers, Conshohocken 
Daniel Yeakle Miller, Norristown 
Herbert \.J. Moore, Norristown 
Frank Kenneth Moore, Norristown 
E. C. A. Moyer, Norristown 
John Hyatt Naylor, Norristown 
Robert T. Potts, Norristown 
Joseph Leonard Prince, Pottstown 
Frank X. Renninger, Norristown 
Rebecca M. Roberts, Norristown 
Henry D. Saylor, Pottstown 
Walter M. Shaw, Norristown 
Conrad S. Shelve, Norristow n 
E. F. Slough, Norristown 
H. Wilson Stahlnecker, Norristown 
Francis K. Swart ley. North Wales 
Freas Styer, Norristown 
Aaron S. Swartz, Jr.. Norristown 
Henry M. Tracy, Conshohocken 
Ralph F. Wismer, Norristown 
J. Ambler Williams, Norristown 
P'ranklin L. Wright, Norristown 
William P. Young, Pottstown 

MONTOUR COUNTY 

* H. M. Hinckley, Danville 

Chas. V. Ammerman, Danville 
Wm. J. Baldy, Danville 
E. S. Gearhart, Danville 
Ralph Kisner, Danville 
W. K. West, Danville 



* Chairman. 
51 



NORTHAMPTON COUNTY 

* James W. Fox, 308-10 Trust Co. Bldg., Easton 

Albert Kahn, Easton 
Everett Kent, Bangor 
Harry D. Kutz, Nazareth 
Frank P. McCluskey, Easton 
Edgar Nagle, Northampton 
Frank Reeder, Easton 
Asher Seip, Easton 

NORTHUMBERLAND COUNTY 

* Gen. Charles M. Clement, First Natl Hank Bldg., 
Sunbury 

Hon. \'oris Auten, Mt. Carmc! 

R. L. Belford, Milton 

Hon. W. H. Hackenberg, Milton 

I. Clinton Kline, Simbury 

H. S. Knight, Sunbury 

John Kopschinski, Shamokin 

Charles C. Lark, Shamokin 

H. O. Moser, Mt. Carmel 

Edwin Paul, Milton 

G. B. Reimensnyder, Sunbury 

W. W. Ryon, Shamokin 

J. F. Schaffer, Sunbury 

W. Field Shay, Watsontown 

W. L. Snvder, Shamokin 

F. E. Tier, Mt. Carmel 

M. P. Tierney, Northumberland 

Raymond Tobias, Mt. Carmel 

PERKY COUNTY 

* James M. Barnett, New Bloomiield 

Luke P. Baker, New Bloomfield 
Hon. J. \V. Shull, New Bloomfield 



PHILADELPHLA COUNTY 

* F. B. Bracken, Land Title Bldg., Philadelphia 

Harold B. Beitler, 750 Bullitt Bldg. 

Frederick A. Blount, 1406 Widener Bldg. 

Wm. J. Brady, 1619 Arch St. 

John Arthur Brown, 1635 Land Title Bldg. 

Jos. R. Embery, Real Estate Trust Bldg. 

Ralph B. Evans, 1335 Land Title Bldg. 

Franz Ehrlich, Jr., 811 Stephen Girard Bldg. 

Thomas B. Ellis, ion Chestnut Street 

Chester N. Farr, Jr., 1018 Real Estate Trust Bldg. 

Charles E. Fox, 11 16 Stock Exchange Bldg. 

Francis S. Goglia, 1203 Commonwealth Bldg. 

Francis Macomb Gumbes, 412 Penn Square Bldg. 

Edward Hopkinson, Jr., 750 Bullitt Bldg. 

J. Percy Keating, Commercial Trust Bklg. 

Murdoch Kendrick, 814 Crozer Bldg. 

Wm. B. Linn, 518 Real Estate Trust Bldg. 

Malcolm Lloyd, Jr., 1404 Land Title Bldg. 

John K. Loughlin, 11 16 Stephen Girard Bldg. 

Benjamin H. Ludlow, 1208 Lincoln Bldg. 

Robt. T. McCracken, Morris Bldg. 

W. Logan MacCoy, 1218 Real Estate Trust Bldg. 

Wm. Clarke Mason, 133 South Twelfth Street 

O. Rodger Melling, 4602 Frankford Ave. 

Joseph E. Murray, 712 Crozer Bldg. 

Thomas Ridgrway, 308 North American Bldg. 

F. Markoe Rivinus, Commercial Trust Bldg. 

Gerald Ronon, 1438 Land Title Bldg. 

Francis H. Shields, 737 Land Title Bldg. 

James A. Somers, 608 Crozer Bldg. 

Joseph J. Tunney, 813 Crozer Bldg. 

Harry D. Wescott, iioo Penn Square Bldg. 

Thomas Raeburn White, 700 West End Trust Bldg. 

Ira Jewell Williams, Morris Bldg. 

Morris Wolf, 1 1 18 Real Estate Trust Bldg. 

Sydney Young, 642 Land Title Bldg. 



PIKE COUNTY 
* George R. Bull, Milford 

Alfred Marvin, Matamoras 
J. H. Van Etten, Milford 

POTTER COUNTY 

* W. K. Swetland, Coudersport 

A. N. Crandall, Coudersport 
W. F. DuBois, Coudersport 
Robert R. Lewis, Coudersport 
Harry W. Nelson, Coudersport 
J. Walter Wells, Coudersport 

SCHUYLKILL COUNTY 

* Otto E. Farquhar, Esq., Room 212-213 New 
Thompson Bldg., Pottsville 

R. S. Bashore, Tremont 

J. Milton Boone, Saint Ckir 

C. C. Breisch, Ringtown 
M. M. Burke, Shenandoah 
John W. Clemens, Miticrsville 
L. P. Dailev, McAdoo 

W. C. Devitt, Ashland 
Edgar Downey, Pottsville 

B. J. Duffy, Coal Dale 

D. J. Ferguson, Shenandoah 
F. V. Filbert, Auburn 
Lloyd L. Frank, Gordon 

R. J. Graeff, Tama(iua 
H. O. Haag, Tremont 
Roy P. Hicks, Frackville 
Daniel W. Kaercher, Pottsville 
M. A. Kilker, Girard ville 

F. P. Krebs, Tamaqua 

Hon. T. H. B. Lyon. Mahanoy City 
J. B. IVIcGurl, Minersville 

E. J. Maginnis, Girardville 
M. H. Moyer, Orwigsburg 

J. A. Noecker, Schuylkill Haven 

G. M. Paxson, Schuylkill Haven 
Hon. Arthur L. Shay, Pottsville 
Edmund D. Smith, Pottsville 

R. P. Swank, Mahanoy City 
Walter G. Treibley, Ashland 
John F. Whalen, Pottsville 

SNYDER COUNTY 
* Jay G. Weiser, Middleburg 

William K. Miller, Selinsgrove 
Charles P. Ulrich, Selinsgrove 

SOMERSET COUNTY 

* Edmund E. Kiernan, Somerset 

J. A. Berkey, Somerset 

Fred W. Biesecker, Somerset 

Norman T. Boose, Somerset 

P. G. Cober, Somerset 

Frank R. Coder, Somerset 

Lewis C. Colbom, Somerset 

Charles H. Ealy, Somerset 

John A. Hartman, Windber 

Mrs. Daryle R. Heckman, Somerset 

Alexander King, Somerset 

Ernest O. Kooser, Somerset 

Francis J. Kooser, Somerset 

James B. Landis, Somerset 

Joseph Levy, Somerset 

J. Calvin Lowry, Somerset 

Frank A. Mellott, Windber 

Ruftis E. Meyers, Somerset 

John S. Miller, Somerset 

John G. Ogle, Somerset 

V. R. Saylor, Somerset 

Ross R. Scott, Somerset 

George R. Scull, Somerset 

Clarence L. Shaver, Somerset 



* Chairman. 

52 



Charles F. Uhl, Somerset 
Charles W. Walker, Somerset 
H. Frank Yost, Somerset 

SULLIVAN COUNTY 
* E. J. Mullen, Laporte 

F. M. Meylert, Laporte 

E. L. Sweeney, Mildred 
J. H. Thayer, Dushore 
Alphonsus Walsh, Dushore 

SUSQUEHANNA COUNTY 

* Hon. Andrew B. Smith, Montrose 

Chas. H. Ainey, New Milford 
Wm. D. B. Ainey, Montrose 

D. T. Brewster, Montrose 
John S. Courtright, Montrose 

F. A. Davies, Montrose 

Hon. H. A. Denney, Montrose 
Thos. A. Dohcrty, Susquehanna 
John Ferguson, Sus(iuehanna 
F. M. Gardiner, Forest City 
Gerritt E. Gardner, Montrose 
J. M. Kelly, Montrose 
S. F. Lane, Montrose 
F. I. Lott, Montrose 
Searle McCollum, Montrose 
W. J. Maxey, Forest City 
Allan D. Miller, Susquehanna 
John D. Miller, Susciuehanna 

E. W. Safford, Montrose 

E. R. W. Searle, Montrose 
Wm. A. Skinner, Susquehanna 
Sus Strouse, Montrose 

Wm. A. Titsworth, Montrose 
Chas. L. V'an Scoten, Montrose 

TIOGA COUNTY 

* Horace B. Packer, Wellsboro 

Hon. David Cameron, Wellsboro 
Paul J. Edwards, Wellsboro 
Chas. M. Elliott, Wellsboro 

F. H. Hughes, Blossburg 
H. F. Marsh, Wellsboro 
C. L. Miller, Wellsboro 

Hon. F. H. Rockwell, Wellsboro 
Sherwood & Owlett, Wellsboro 
Rev. John Torkington, Wellsboro 

UNION COUNTY 

* Andrew Albright Leiser, Lewisburgh 

Irwin M. Beale, Lewisburgh 
John A. Beard, Miffiinburgh 
Frederick E. Bower, Lewisburgh 
Col. Wm. R. Follmer, Lewisburgh 
Curtis D. Lesher, Lewisburgh 
Philip B. Linn, Lewisburgh 
Hon. Harold M. McClure, Lewisburgh 
Harry M. Showalter, Lewisburgh 
Cloyd N. Steininger, Lewisburgh 

VENANGO COUNTY 

* Peter M. Speer, 668 Chambers Bldg., Oil City 

Edward S. McAlevy, Oil City 
Hon. John L. Mattox, Oil City 
John L. Nesbitt, Franklin 
A. R. Osmer, Franklin 
Millard Scheide, Franklin 
Peter A. Wilbert, Oil City 

WARREN COUNTY 

* Wm. H. Allen, Warren 

Arthur G. Eldred, Warren 
Sidney D. Blackman, Warren 



Delford U. Arird, Warren 
Peter E. Nelson, Warren 

WASHINGTON COUNTY 

* James A. Wiley, Washington 

James P. Braden, Washington 
E. E. Crumrine, Washington 
James P. Eagleson, Washington 
Carl E. Gibson, Monongahela City 
A. M. Linn, Washington 
D. M. McCloskey, Charleroi 
R. S. Marriner, Washington 

WAYNE COUNTY 

* Hon. Alonzo T. Searle, Honesdale 

V'ictor A. Decker, Hawley 
Homer Greene, Honesdale 
Wm. H. Lee, Honesdale 
Col. A. G. Rutherford. Honesdale 

W^'OMING COUNTY 
* Hon. Charles E. Terry, Tunkhannock 

E. B. Farr, Tunkhannock 

H. S. Harding, Tunkhannock 
Asa S. Keeler, Tunkhannock 
Smith Kinner, Tunkhannock 
J. F. Ogden, Tunkhannock 

WESTMORELAND COUNTY 

* Paul H. Gaither, Greensburg 

Samuel M. Ankney, Greensburg 
George E. Barron, Greensburg 
John C. Blackburn. Greensburg 
\'. B. Bouton, New Kensington 
Rev. E. S. Bromer, D.D., Greensburg 
H. E. Cope, Greensburg 
Horace G. Durbin, New Kensington 
Alex Eicher, Greensburg 
George W. Flowers. Irwin 

F. B. Folk, Scottdale 

Hon. Curtis H. Gregg, Greensburg 

C. B. Hollingsworth, West Newton 

James L. Kennedy, Greensburg 

John McCartney Kennedy, Parnassus 

R. D. Laird, Greensburg 

John S. Lightcap, Latrobe 

George H. McWhorter, Derry 

C N. Machesney, New .Mexandria 

R. D. Noel, Vandergrift 

R. K. Portser, Greensburg 

H. \'. Rowan. Jeannette 

J. R. Smith, Scottdale 

A. E. Troutman. Greensburg 

C. C. Walthour. CIreensburg 

Eugene Warden, Mt. Pleasant 

Hon. James B. Weaver, Latrobe 



YORK COUNTY 

* Richard E. Cochran, 57 E. Market St., York 

D. Guy Bange, Hanover 

Samuel C. Frey, York 

James G. Glcssncr, York 

Walter B. Hays, York 

George Hay Kain, York 

\'incent K. Keesey, York 

George Love, York 

George E. Neff, York 

Henry C. Niles, York 

Robert S. Spangler, York 

George S. Schmidt, Cassat Bldg., York 

Ray P. Sherw'ood, York 

Allen C. Wiest, York 

Charles E. Ehrehart, Hanover 



* Chairman. 

53 



•w^^ 



Deacidified using the Bookkeeper prow 
Neutralizing agent: Magnesium Oxide 
Treatment Dale: «£y ^f ,,,, 



LIBRARY OF CONGRESS 




007 690 773 



